# EDGAR Filing Document

**Accession Number:** 0001142786
**File Stem:** 0001999371-25-008946
**Filing Date:** 2025-7
**Character Count:** 7680367
**Document Hash:** c78c6aefe0d79710d2a1fb9c40bf332f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-008946.hdr.sgml**: 20250710

**ACCESSION NUMBER**: 0001999371-25-008946

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

**PUBLIC DOCUMENT COUNT**: 34

**CONFORMED PERIOD OF REPORT**: 20250710

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

**FILED AS OF DATE**: 20250710

**DATE AS OF CHANGE**: 20250710

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Acceptance Corp II
- **CENTRAL INDEX KEY:** 0001142786
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 364449120
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01089
- **FILM NUMBER:** 251116175

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670
- **BUSINESS PHONE:** 3127820600

**MAIL ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOND SECURITIZATION LLC
- **DATE OF NAME CHANGE:** 20010618
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Acceptance Corp II
- **CENTRAL INDEX KEY:** 0001142786
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 364449120
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670
- **BUSINESS PHONE:** 3127820600

**MAIL ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOND SECURITIZATION LLC
- **DATE OF NAME CHANGE:** 20010618
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Acceptance Corp II
- **CENTRAL INDEX KEY:** 0001142786
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 364449120
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01089

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670
- **BUSINESS PHONE:** 3127820600

**MAIL ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOND SECURITIZATION LLC
- **DATE OF NAME CHANGE:** 20010618

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

**<u>j.p. morgan acceptance corporation ii</u>**

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

---

| | |
|:---|:---|
| ☐ | Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________ |
|  | Date of Report (Date of earliest event reported) __________________ |
|  | Commission File Number of securitizer: __________________ |
|  | Central Index Key Number of securitizer:__________________ |

---

Name and telephone number, including area code, of the person to contact in connection with this filing

---

| | |
|:---|:---|
|  | Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(l) ☐ |
|  | Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐ |
|  | Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐ |
| ☒ | Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2) |
|  | Central Index Key Number of depositor: 0001142786 |
|  | <u>J.P. Morgan Mortgage Trust 2025-CES3</u> |
|  | <br> (Exact name of issuing entity as specified in its charter) |
|  | Central Index Key Number of issuing entity (if applicable): ________________ |
|  | Central Index Key Number of issuing entity (if applicable): ________________ |

---

<u>Amie Davis, (212) 623-7441</u> <br> Name and telephone number, including area code, of the person to contact in connection with this filing

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.02 Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.03 Notice of Termination of Duty to File Reports under Rule l5Ga-1

Not Applicable

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

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

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

EXHIBIT INDEX

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Form ABS Due Diligence-15E |
| [99.2](ex99-2.htm) | AMC Data Compare |
| [99.3](ex99-3.htm) | AMC Exception Report |
| [99.4](ex99-4.htm) | AMC Rating Agency Grades |
| [99.5](ex99-5.htm) | AMC Valuation Summary |
| [99.6](ex99-6.htm) | Clayton Services LLC ("Clayton") Due Diligence Narrative |
| [99.7](ex99-7.htm) | Clayton Data Compare |
| [99.8](ex99-8.htm) | Clayton Exception Report |
| [99.9](ex99-9.htm) | Clayton Rating Agency Grades |
| [99.10](ex99-10.htm) | Clayton Valuation Summary |
| [99.11](ex99-11.htm) | Consolidated Analytics, Inc. ("Consolidated Analytics") Due Diligence Narrative |
| [99.12](ex99-12.htm) | Consolidated Analytics Data Compare |
| [99.13](ex99-13.htm) | Consolidated Analytics Exception Report |
| [99.14](ex99-14.htm) | Consolidated Analytics Rating Agency Grades |
| [99.15](ex99-15.htm) | Consolidated Analytics Valuation Summary |
| [99.16](ex99-16.htm) | Digital Risk, LLC ("Digital Risk") Due Diligence Narrative |
| [99.17](ex99-17.htm) | Digital Risk Data Integrity Report |
| [99.18](ex99-18.htm) | Digital Risk Rebuttal Findings Report |
| [99.19](ex99-19.htm) | Digital Risk Rating Agency Report |
| [99.20](ex99-20.htm) | Digital Risk Valuation Report |
| [99.21](ex99-21.htm) | Selene Diligence LLC ("Selene") Due Diligence Narrative |
| [99.22](ex99-22.htm) | Selene Data Compare Report |
| [99.23](ex99-23.htm) | Selene Standard Findings Report |
| [99.24](ex99-24.htm) | Selene Rating Agency Grades Summary Report |
| [99.25](ex99-25.htm) | Selene Valuation Report |

---

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | j.p. morgan acceptance corporation ii | j.p. morgan acceptance corporation ii |
|  | (Depositor) | (Depositor) |
|  | /s/ Michael Brown | /s/ Michael Brown |
| Date: July 10, 2025 | Name: | Michael Brown |
|  | Title | Chief Executive Officer (Senior Officer in charge of securitization) |

---

## Exhibit 99.1

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION**<br> Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

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

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

Legal Name: <u>AMC Diligence, LLC</u>

Business Name (if Different):  

Principal Business Address: <u>150 East 52<sup>nd</sup> Street, Suite 4002, New York, NY 10022</u>

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

Legal Name: <u>JPMorgan Chase Bank, National Association</u>

Business Name (if Different):  

Principal Business Address: <u>383 Madison Avenue, 8<sup>th</sup>Floor New York, NY 10179</u>

**Item 3: Credit rating criteria** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions dated September 30, 2024 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 26, 2023 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025 |

---

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

See attached.

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

See attached.

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**CERTIFICATION**

The undersigned has executed this Form ABS Due Diligence 15E on behalf of, and on the authority of, the person identified in Item 1 of the Form. The undersigned, on behalf of the person, represents that the person identified in Item 1 of the Form conducted a thorough review in performing the due diligence described in Item 4 attached to this Form and that the information and statements contained in this Form, including Items 4 and 5 attached to this Form, which are part of this Form, are accurate in all significant respects on and as of the date hereof.

Name of Person Identified in Item 1: <u>AMC Diligence, LLC</u>

---

| | |
|:---|:---|
| By: | &nbsp;&nbsp;&nbsp;Tim Van Houtte |
| Signature: | /s/ Tim Van Houtte |
| Date: | July 9, 2025 |

---

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![](ex991001.jpg)

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

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

AMC Diligence, LLC ("**AMC**") performed certain due diligence services described below on non-conforming closed-end second lien residential mortgages acquired from various parties. The review was conducted on behalf of JPMorgan Chase Bank, National Association ("**Client**") during multiple transactions from February 2024 to April 2025 via files imaged and provided by JPMorgan Chase Bank, National Association for review (the "**Review**").

The loans in the Review carried origination dates between February 2022 and March 2025.

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

The Review was conducted on three thousand seven hundred seventy-six (3,776) loans selected by the Client. Subsequent to review, the Client reduced the population to two thousand one hundred sixty-eight (2,168) mortgage loans with an aggregate original principal balance of approximately $189.477 million for unknown reasons. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

AMC is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by AMC.

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

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Coborrower Full Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Originator Application Date |  |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Type |  |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Refi Purpose |  |

---

Additionally, AMC verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)"), and/or loan-to-value ratios ("LTV(s)") used in the assessment of conformity guidelines.

Although AMC completed a property review of each loan, based on such property review grades and findings, the grading and exceptions related to such property review are not discussed herein.

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

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

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

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**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

**Asset Review:** AMC assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, AMC completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**DU/LP/Zippy Review** 

When a DU/LP/Zippy form is provided, AMC (i) confirmed and captured recommendations and (ii) verified that (a) red flags listed on the DU/LP/Zippy were addressed by the underwriter, (b) listed credit conditions were cleared by the underwriter, and (c) the final DU/LP/Zippy in the file contained data that matched the data gathered from documents in the file. All mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and the AUS findings.

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

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

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

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any

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noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** AMC's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) (i) if the property is located in an area(s) listed as a FEMA disaster zone post origination, (ii) the presence of loan modification documents, and (iii) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

If standard GSE forms were not used for the mortgage loan, AMC sought to confirm the existence of: (i) a "due on sale" clause, (ii) mortgagor's requirement to maintain adequate insurance at the mortgagor's own expense, and (iii) the holder's right to foreclose and to confirm that any homestead exemption has been waived as required by applicable law within the forms utilized.

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

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying Client of same, (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process.

If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception and worked with the Client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in AMC's review resulted in a variance of more than 10% then the Client was notified of such variance and a second independent valuation product was ordered.

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AMC also considered processes that included Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

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

**<u>COMPLIANCE REVIEW – LIMITED SCOPE</u>**<br> Please be advised that SitusAMC will not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review will uncover all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or will uncover all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by SitusAMC are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which SitusAMC is relying in reaching such findings.

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in the Review, and the findings set forth in any report prepared by SitusAMC does not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC. Information contained in any SitusAMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged SitusAMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by SitusAMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

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

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23; §1026.15):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure
 to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

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

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

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

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

vii) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means, for closed end transactions, the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions, and for open-end transactions,

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the information that must be provided to satisfy the requirements in §<u>1026.6</u> with regard to the method of determining the finance charge and the balance upon which a finance charge will be imposed, the annual percentage rate, the amount or method of determining the amount of any membership or participation fee that may be imposed as part of the plan, and the payment information described in §<u>1026.40</u>(d)(5)(i) and (ii) that is required under §<u>1026.6</u>(e)(2); and

viii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Tolerances (§§1026.18, 22 and 23):</u> 

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) with
 respect to applicable exception remediation measures, confirm the remediation was performed
 in accordance with regulatory and/or statutory requirements, and, where applicable, the
 SFA Compliance Review Scope methodology (in an attempt to establish a best practices
 approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated
 Disclosure testing, the Structured Finance Association ("SFA") has a working
 group that consists of industry participants including third party review providers and
 law firms who agreed to a standardized approach to remediation considerations).

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>High-cost Mortgage (§§1026.31, 32,and 34):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points
 and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty threshold test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR
 threshold test; and

ii) compliance with the escrow account and appraisal requirements as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36(d)-(e)):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 relevant documentation to determine if compensation to a Loan Originator was based on
 a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) if requested by the client, review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage
 loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Mandatory Arbitration Clauses (§1026.36(h)):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the terms of the mortgage loan require arbitration or any other non-judicial procedure
 to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Prohibition on Financing Credit Insurance (§</u> 1026.36(i)):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;k) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36(g)):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(II) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

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&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.); the
 Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and the U.S. Department of
 Agriculture (7 CFR Part 3555);

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

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

SitusAMC will review applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). SitusAMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, SitusAMC notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, SitusAMC notes if an originator mortgage loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, SitusAMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file:

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. **QM Based on APOR (Pricing-Based) –** Loans with an application date on or after
 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced
 QM (APOR), the QM considerations will be based on whether the APR exceeds the average
 prime offer rate by 2.25 or more percentage points (additional thresholds applicable
 for lower loan balances, subordinate lien covered transactions and certain manufactured
 homes loan amounts), and whether the loan does not meet the creditor's guidelines
 without a documented exception and compensating factors.

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

***Verification Safe Harbor***

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

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

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

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

○ Lender identifies that loan utilizes one of the GSE June 2020 guidelines specified in the regulation to meet VSH

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

○ AUS adherence will not be used to evaluate the VSH indicator.

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

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

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

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

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

○ AUS adherence will not be used to evaluate the VSH indicator

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

○ Lender identifies and provides a set of proprietary (non-GSE guides) underwriting guides utilized to meet VSH

○ Lender provides worksheet/AUS connecting the loan level review components to enumerated guides

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

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

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

○ AUS adherence will not be used to evaluate the VSH indicator

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

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

● The lender/seller's VSH Indicator;

● Whether SitusAMC evaluated the VSH indicator provided by the lender/seller;

● Which of the above 3 options was employed to evaluate the VSH indicator;

● Whether SitusAMC identified a variance to indicator based on due diligence review; and

● Whether loan met VSH based on option selected

This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule (effective January 10, 2014), SitusAMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) and (vi)-1 as outlined above. In addition, SitusAMC reviews the Automated Underwriting System output within the mortgage loan file to confirm agency eligibility.

For each conventional QM designated mortgage loan that satisfied the applicable requirements enumerated above, SitusAMC then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.) and the U.S. Department of Agriculture (7 CFR Part 3555).

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) the
 consumer's current or reasonably expected income or assets;

ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status);

iii) the consumer's monthly payment;

iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) the
 consumer's monthly payment for mortgage-related obligations;

vi) the consumer's current debt obligations, alimony, and child support;

vii) the consumer's monthly debt-to-income ratio or residual income; and

viii) the consumer's credit history.

This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay. SitusAMC makes no representation or warranty surrounding the sufficiency of the client or creditor's guidelines as it relates to ATR requirements.

SitusAMC reviews mortgage loans to determine their conformity with the ATR/QM factors as outlined above, but does not render an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). SitusAMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all the factors and/or criteria that Authorities may consider in determining whether the creditor adequately demonstrated compliance with the ATR

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requirements under the rule. SitusAMC's review is based on information contained in the mortgage loan file at the time it is provided to SitusAMC for review, and only reflects information as of that point in time.

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

**(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time. State usury limitations and state-specific prohibited fees testing are outside of scope.**

**(V) Federal and state specific prepayment penalty provisions.**

**(VI) Federal and state specific late charges in states with assignee liability.** <br> The state level late charge testing will be applicable to loans with the subject property in New Jersey, Georgia, New Mexico, and West Virginia.

**(VII) Homeowners Flood Insurance Affordability Act of 2014 (HFIAA)**<br> Confirm properties within a flood zone have adequate insurance coverage in accordance with HFIAA. (Including considerations of the total outstanding lien balances and any separate escrow impound requirements if the second lien is covered by a separate policy from the primary lien.)

**(VIII) FIRREA Review**

SitusAMC will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, SitusAMC will review the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, SitusAMC will access the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

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

**(IX) Document Review.**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Credit
 report;

&nbsp;&nbsp;&nbsp;&nbsp;■ Income
 and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Asset
 documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Sales
 contract;

&nbsp;&nbsp;&nbsp;&nbsp;■ Hazard
 and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;■ Copy
 of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 1003;

&nbsp;&nbsp;&nbsp;&nbsp;■ Changed
 circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Right
 of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed
 of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage
 Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible
 Net Benefit Disclosure;

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&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination
 Agreement;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;■ Closing
 Disclosures; and

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

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

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

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

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

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The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Kroll Bond Rating Agency, Inc. ("Kroll") and S&P Global Ratings ("S&P").

**OVERALL REVIEW RESULTS SUMMARY**<br> There were two thousand one hundred sixty-eight (2,168) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable Fitch and Kroll NRSRO grading criteria, four hundred forty-eight (448) (20.66%) loans had an overall loan grade of "B". Forty-two (42) of the loans with an overall grade of "B" had exceptions across multiple exception types. After all documents were presented, under the applicable DBRS and S&P NRSRO grading criteria, three hundred ninety-four (394) (18.17%) loans had an overall loan grade of "B". Thirty-four (34) of the loans with an overall grade of "B" had exceptions across multiple exception types.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception** <br> **Type** | &nbsp;&nbsp;**Fitch and** <br> **Kroll Final** <br> **Exception** <br> **Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;98 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;96 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;93 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;72 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;45 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;33 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***513*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**513** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;51 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***157*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**157** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**670** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception** <br> **Type** | &nbsp;&nbsp;**DBRS and** <br> **S&P Final** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |

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| | | | |
|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Exception** <br> **Rating** |  |  |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;96 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;93 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;72 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;45 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;33 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***437*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**437** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;51 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***157*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**157** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**594** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the two thousand one hundred sixty-eight (2,168) loans reviewed, under the applicable Fitch and Kroll NRSRO grading criteria, three hundred forty (340) had a Compliance Review "B" grade. One hundred thirty-three (133) of the loans with an overall grade of "B" had multiple compliance exceptions. Of the two thousand one hundred sixty-eight (2,168) loans reviewed, under the applicable DBRS & S&P NRSRO grading criteria, two hundred eighty (280) had a Compliance Review "B" grade. One hundred twenty-two (122) of the loans with an overall grade of "B" had multiple compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch and Kroll NRSRO <br> Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1828 | &nbsp;&nbsp;84.32% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;340 | &nbsp;&nbsp;15.68% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P NRSRO <br> Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;A | &nbsp;&nbsp;1888 | &nbsp;&nbsp;87.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;280 | &nbsp;&nbsp;12.92% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**CREDIT REVIEW RESULTS SUMMARY**

Two thousand eighteen (2,018) mortgage loans (93.08%) of the total received an "A" Credit Review grade. The one hundred fifty (150) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2018 | &nbsp;&nbsp;93.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;150 | &nbsp;&nbsp;6.92% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two thousand one hundred sixty-eight (2,168) mortgage loans reviewed, one thousand two hundred ninety-eight (1,298) (59.87%) mortgage loans had tape discrepancies across twenty-three (23) unique data fields. The most common tape discrepancies were Appraised Value (38.84%), Investor: Qualifying Total Debt Ratio (18.73%), and Representative FICO (8.90%). AMC found generally that the DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;842 | &nbsp;&nbsp;38.84% |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;406 | &nbsp;&nbsp;18.73% |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;193 | &nbsp;&nbsp;8.90% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;116 | &nbsp;&nbsp;5.35% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;82 | &nbsp;&nbsp;3.78% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;77 | &nbsp;&nbsp;3.55% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;65 | &nbsp;&nbsp;3.00% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;62 | &nbsp;&nbsp;2.86% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;53 | &nbsp;&nbsp;2.44% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;32 | &nbsp;&nbsp;1.48% |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.92% |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;19 | &nbsp;&nbsp;0.88% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;16 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.69% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.69% |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;11 | &nbsp;&nbsp;0.51% |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.32% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.23% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.05% |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;State | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.05% |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**TPR Loan Designation** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;1295 | &nbsp;&nbsp;59.73% | &nbsp;&nbsp;$128331815.00 | &nbsp;&nbsp;67.73% |
| &nbsp;&nbsp;Higher Priced QM (APOR) | &nbsp;&nbsp;673 | &nbsp;&nbsp;31.04% | &nbsp;&nbsp;$37624069.00 | &nbsp;&nbsp;19.86% |
| &nbsp;&nbsp;Non QM | &nbsp;&nbsp;188 | &nbsp;&nbsp;8.67% | &nbsp;&nbsp;$22402671.00 | &nbsp;&nbsp;11.82% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;12 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;$1118438.00 | &nbsp;&nbsp;0.59% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2168** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$189476993.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;2168 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$189476993.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2168** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$189476993.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;2168 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$189476993.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2168** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$189476993.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;2163 | &nbsp;&nbsp;99.77% | &nbsp;&nbsp;$188754143.00 | &nbsp;&nbsp;99.62% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.14% | &nbsp;&nbsp;$429400.00 | &nbsp;&nbsp;0.23% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.05% | &nbsp;&nbsp;$60000.00 | &nbsp;&nbsp;0.03% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.05% | &nbsp;&nbsp;$233450.00 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2168** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$189476993.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;1244 | &nbsp;&nbsp;57.38% | &nbsp;&nbsp;$94864475.00 | &nbsp;&nbsp;50.07% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;845 | &nbsp;&nbsp;38.98% | &nbsp;&nbsp;$88890730.00 | &nbsp;&nbsp;46.91% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;45 | &nbsp;&nbsp;2.08% | &nbsp;&nbsp;$3641265.00 | &nbsp;&nbsp;1.92% |
| &nbsp;&nbsp;0-120 Months | &nbsp;&nbsp;34 | &nbsp;&nbsp;1.57% | &nbsp;&nbsp;$2080523.00 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2168** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$189476993.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;1353 | &nbsp;&nbsp;62.41% | &nbsp;&nbsp;$115534119.00 | &nbsp;&nbsp;60.98% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;718 | &nbsp;&nbsp;33.12% | &nbsp;&nbsp;$66123971.00 | &nbsp;&nbsp;34.90% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;62 | &nbsp;&nbsp;2.86% | &nbsp;&nbsp;$4678789.00 | &nbsp;&nbsp;2.47% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;16 | &nbsp;&nbsp;0.74% | &nbsp;&nbsp;$1422289.00 | &nbsp;&nbsp;0.75% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.46% | &nbsp;&nbsp;$536700.00 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.18% | &nbsp;&nbsp;$414200.00 | &nbsp;&nbsp;0.22% |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.18% | &nbsp;&nbsp;$701925.00 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.05% | &nbsp;&nbsp;$65000.00 | &nbsp;&nbsp;0.03% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2168** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$189476993.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;2110 | &nbsp;&nbsp;97.32% | &nbsp;&nbsp;$182292222.00 | &nbsp;&nbsp;96.21% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;50 | &nbsp;&nbsp;2.31% | &nbsp;&nbsp;$6149656.00 | &nbsp;&nbsp;3.25% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.37% | &nbsp;&nbsp;$1035115.00 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2168** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$189476993.00** | &nbsp;&nbsp;**100.00%** |

---

\*Tables may not add to 100% due to rounding.

**EXCEPTION DETAIL**<br> The exception summary below ties to the total number of B exceptions for the population included in the Review. Some mortgage loans may be listed multiple times if they carried multiple exception categories even if those categories were within the same general exception category (ex. Disclosures and RESPA Tolerance within Compliance).

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch and Kroll Exceptions** | &nbsp;&nbsp;**# of** <br> **Loans** | &nbsp;&nbsp;**Exception** <br> **Type** |
| &nbsp;&nbsp;(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | &nbsp;&nbsp;74 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Check Restated Loan Designation Match - QM / ATR | &nbsp;&nbsp;58 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | &nbsp;&nbsp;56 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Missing Data) Last Rate Set Date | &nbsp;&nbsp;52 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | &nbsp;&nbsp;39 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland HPML Threshold Test Non-Compliant | &nbsp;&nbsp;39 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Check Restated Loan Designation Match - General Ability to Repay | &nbsp;&nbsp;18 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;18 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;16 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;16 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;15 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | &nbsp;&nbsp;15 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | &nbsp;&nbsp;13 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. | &nbsp;&nbsp;12 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Massachusetts HPML Threshold Test Compliant | &nbsp;&nbsp;10 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | &nbsp;&nbsp;8 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Michigan CMPA Home Loan Toolkit Status | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - QM | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Self-Employed Tax Return Recency - ATR | &nbsp;&nbsp;4&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Missing Document: Missing Lender's Initial 1003 | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Right of Rescission Timing - Note Date used as Transaction Date | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TIL Higher Priced Mortgage Loan Safe Harbor Test | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Doc Error) RTC Error: Right to Cancel expiration date is blank. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Utah Home Loan (Document Signed Contains Blanks) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(City High Cost) Chicago Threshold Loan (Points and Fees) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(County High Cost) Cook County Threshold Loan (Points and Fees) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Wyoming Uniform Consumer Credit Code (Statement of Rate Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Disclosed Note P&I payment does not equal calculated P&I payment | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Minnesota Tangible Net Benefit Disclosure | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Doc Error) Security Instrument Error: Notary Date was not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | &nbsp;&nbsp;39 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | &nbsp;&nbsp;26 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;24 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;21 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;16 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Combined loan to value discrepancy. | &nbsp;&nbsp;9 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insufficient Coverage: Hazard insurance coverage amount is insufficient. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Representative FICO score discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Available for Closing is insufficient to cover Cash From Borrower. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Minimum Loan Amount discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insufficient Coverage: Flood insurance coverage amount is insufficient. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Credit Letter of Explanation (LOE) not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Flood Insurance Error: Insurance premium was not provided. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Flood Insurance Policy not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Valuation Error: AVM report date not provided. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

18 \| P a g e

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;REO Documents are missing. | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Issue: Foreclosure timeline outside of credit guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Verification(s) of employment is not within 10 business days of the Note. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;1003 Error: Birth Date was not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Public Records/Collections/Charge Off does not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Subordinate liens are not permitted. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P Exceptions** | &nbsp;&nbsp;**# of** <br> **Loans** | &nbsp;&nbsp;**Exception** <br> **Type** |
| &nbsp;&nbsp;(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | &nbsp;&nbsp;74 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | &nbsp;&nbsp;56 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Missing Data) Last Rate Set Date | &nbsp;&nbsp;52 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | &nbsp;&nbsp;39 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland HPML Threshold Test Non-Compliant | &nbsp;&nbsp;39 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;18 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;16 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;16 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;15 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | &nbsp;&nbsp;15 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | &nbsp;&nbsp;13 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. | &nbsp;&nbsp;12 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Massachusetts HPML Threshold Test Compliant | &nbsp;&nbsp;10 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | &nbsp;&nbsp;8 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Michigan CMPA Home Loan Toolkit Status | &nbsp;&nbsp;6 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - QM | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - ATR | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Missing Document: Missing Lender's Initial 1003 | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Right of Rescission Timing - Note Date used as Transaction Date | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TIL Higher Priced Mortgage Loan Safe Harbor Test | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Doc Error) RTC Error: Right to Cancel expiration date is blank. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |

---

19 \| P a g e

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Utah Home Loan (Document Signed Contains Blanks) | &nbsp;&nbsp;1&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(City High Cost) Chicago Threshold Loan (Points and Fees) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(County High Cost) Cook County Threshold Loan (Points and Fees) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Wyoming Uniform Consumer Credit Code (Statement of Rate Not Provided) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Disclosed Note P&I payment does not equal calculated P&I payment | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Minnesota Tangible Net Benefit Disclosure | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Doc Error) Security Instrument Error: Notary Date was not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | &nbsp;&nbsp;39 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | &nbsp;&nbsp;26 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;24 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;21 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;16 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Combined loan to value discrepancy. | &nbsp;&nbsp;9 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Credit Exception: | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insufficient Coverage: Hazard insurance coverage amount is insufficient. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Representative FICO score discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Available for Closing is insufficient to cover Cash From Borrower. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Minimum Loan Amount discrepancy. | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Insufficient Coverage: Flood insurance coverage amount is insufficient. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Credit Letter of Explanation (LOE) not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Flood Insurance Error: Insurance premium was not provided. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: Flood Insurance Policy not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Valuation Error: AVM report date not provided. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;REO Documents are missing. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Issue: Foreclosure timeline outside of credit guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Verification(s) of employment is not within 10 business days of the Note. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;1003 Error: Birth Date was not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Public Records/Collections/Charge Off does not meet guidelines. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Subordinate liens are not permitted. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

20 \| P a g e

## Exhibit 99.2

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 304096746 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304096746 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304096746 | Original CLTV | 37.92 | 43.5119 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304096746 | Original LTV | 7.14 | 8.26446 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304096746 | Investor: Qualifying Total Debt Ratio | 31.88 | 44.28398 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304255845 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304255845 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304255845 | Original CLTV | 70.26 | 64.2952 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304255845 | Original LTV | 27.69 | 25.33333 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304256394 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304331425 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304319845 | Investor: Qualifying Total Debt Ratio | 29.45 | 42.94522 | Verified | Matching with Lender's DTI as per 1008 |
| 304357166 | Original Interest Rate | 9.25 | 9.125 | Verified | Field Value reflects the Note value |
| 304357166 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304357166 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304337483 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304337483 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304336506 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304336506 | Investor: Qualifying Total Debt Ratio | 10.07 | 48.31346 | Verified | Matches approval. |
| 304364609 | Occupancy | Second Home | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 304364609 | Investor: Qualifying Total Debt Ratio | 25 | 29.45184 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304356135 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304356135 | Original CLTV | 70.73 | 74.784 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304356135 | Original LTV | 15.2 | 16.77704 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304356252 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304359167 | Investor: Qualifying Total Debt Ratio | 37.52 | 40.90328 | Verified | Missing income documentation for co-borrower. |
| 304359815 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304359815 | Original CLTV | 88.36 | 89.45483 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304359175 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304367976 | Investor: Qualifying Total Debt Ratio | 49 | 42.67933 | Verified | Matches approval. |
| 304375826 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304375826 | Investor: Qualifying Total Debt Ratio | 38.36 | 34.47851 | Verified | Similar to lenders DTI of 35.5%. |
| 304368743 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304368743 | Investor: Qualifying Total Debt Ratio | 47.21 | 43.81145 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304368582 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304368582 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304368582 | Original CLTV | 71.57 | 74.56109 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304368582 | Original LTV | 26.9 | 29.88866 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304367978 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304376480 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304376480 | Investor: Qualifying Total Debt Ratio | 27.73 | 32.80585 | Verified | Matches approval. |
| 304380017 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304373373 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304371842 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304371842 | Investor: Qualifying Total Debt Ratio | 49.66 | 37.81149 | Verified | Matches approval. |
| 304371859 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304371859 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304384833 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304384833 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304365451 | Investor: Qualifying Total Debt Ratio | 17.92 | 21.84174 | Verified | Matches approval. |
| 304376281 | Investor: Qualifying Total Debt Ratio | 27.11 | 32.59904 | Verified | Lender approved at 40% but used a higher rental loss for subject. Review used lease agreement. |
| 304369675 | Investor: Qualifying Total Debt Ratio | 39.67 | 43.11617 | Verified | Tape data is incorrect. 1008 reflects 43.112% DTI |
| 304376518 | Investor: Qualifying Total Debt Ratio | 44.23 | 49.95444 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304368762 | Investor: Qualifying Total Debt Ratio | 48.74 | 41.81219 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304381969 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304381969 | Investor: Qualifying Total Debt Ratio | 32.79 | 37.07304 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304376102 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304376102 | Investor: Qualifying Total Debt Ratio | 50 | 43.32598 | Verified | Matches approval. |
| 304386553 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304386552 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304380018 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304380018 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304380018 | Investor: Qualifying Total Debt Ratio | 47.61 | 44.57069 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304381637 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304371718 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304381794 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304396426 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304390789 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304390398 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304381043 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304390418 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304390418 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304386996 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304386996 | Investor: Qualifying Total Debt Ratio | 36.8 | 40.90893 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304382297 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304382297 | Investor: Qualifying Total Debt Ratio | 48.95 | 42.97478 | Verified | Matches approval. |
| 304388643 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304365659 | Purpose | Refinance | Purchase | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 304365659 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304365659 | Refi Purpose | Cash-out |  | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304365659 | Original CLTV | 82.3 | 86.95652 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304365659 | Original LTV | 19.21 | 20.3 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304376540 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304390397 | Investor: Qualifying Total Debt Ratio | 31.75 | 38.64183 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304385892 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304385892 | Investor: Qualifying Total Debt Ratio | 28.64 | 34.71165 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304388656 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304385534 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304385868 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304385541 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304385541 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304385541 | Investor: Qualifying Total Debt Ratio | 38.79 | 42.77054 | Verified | Matches approval. |
| 304385458 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304385458 | Investor: Qualifying Total Debt Ratio | 43.04 | 46.51196 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304400242 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304400242 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304400078 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304400190 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304400086 | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304400032 | Original Interest Rate | 8.63 | 8.625 | Verified | Field Value reflects the Note value |
| 304400032 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304400032 | Original CLTV | 49.24 | 50.53987 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304400596 | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304400278 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304400141 | Investor: Qualifying Total Debt Ratio | 47.634 | 44.3999 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304400103 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304400104 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 304400104 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304400104 | Investor: Qualifying Total Debt Ratio | 49.892 | 41.56363 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304385403 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304384300 | Investor: Qualifying Total Debt Ratio | 4.07 | 31.79018 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304391133 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304388657 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304385445 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304390790 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304390790 | Investor: Qualifying Total Debt Ratio | 25.17 | 33.61397 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304384063 | Representative FICO | 784 | 788 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304384063 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304384063 | Original CLTV | 61.5 | 56.97714 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304384063 | Investor: Qualifying Total Debt Ratio | 33.55 | 42.04683 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304392189 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304392189 | Investor: Qualifying Total Debt Ratio | 46.16 | 39.08977 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304382296 | Original Interest Rate | 8.875 | 8.625 | Verified | Field Value reflects the Note value |
| 304382296 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304382296 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304382789 | Investor: Qualifying Total Debt Ratio | 23.49 | 28.50928 | Verified | Tape data is incorrect. Loan approved at 28.512% |
| 304385597 | Investor: Qualifying Total Debt Ratio | 27.78 | 33.22246 | Verified | Tape data is incorrect. Loan approved at 33.553% |
| 304390396 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304390396 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304388053 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304398247 | Investor: Qualifying Total Debt Ratio | 31.18 | 38.84776 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304393746 | Investor: Qualifying Total Debt Ratio | 28.74 | 36.32557 | Verified | Tape data is incorrect. Loan approved at 36.326% |
| 304396464 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304365236 | Investor: Qualifying Total Debt Ratio | 26.07 | 29.62978 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304388588 | Investor: Qualifying Total Debt Ratio | 40.11 | 33.59787 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304390406 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304390406 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304390406 | Original CLTV | 64.97 | 67.13659 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304390406 | Investor: Qualifying Total Debt Ratio | 39.98 | 44.49605 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304387438 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304398263 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304398263 | Investor: Qualifying Total Debt Ratio | 43.56 | 48.4721 | Verified | Matches approval. |
| 304393744 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304398577 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304398673 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304400690 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304400690 | Investor: Qualifying Total Debt Ratio | 45.57 | 41.52633 | Verified | Matches approval. |
| 304391201 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304391201 | Investor: Qualifying Total Debt Ratio | 44.18 | 49.25881 | Verified | Matches approval. |
| 304418233 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418233 | Investor: Qualifying Total Debt Ratio | 0.2625 | 26.32677 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418229 | Investor: Qualifying Total Debt Ratio | 0.4155 | 41.65377 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418299 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304418299 | Investor: Qualifying Total Debt Ratio | 0.2927 | 29.27356 | Verified | Matching with 1008 |
| 304418219 | Investor: Qualifying Total Debt Ratio | 0.4642 | 46.39781 | Verified | Unable to verify due to missing information |
| 304418440 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304418440 | Representative FICO | 783 | 781 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418440 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418440 | Investor: Qualifying Total Debt Ratio | 0.2871 | 27.90537 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418372 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304418372 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304418372 | Representative FICO | 819 | 815 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418474 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304418474 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304418474 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418474 | Investor: Qualifying Total Debt Ratio | 0.355 | 34.1363 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418328 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418328 | Investor: Qualifying Total Debt Ratio | 0.3829 | 38.51345 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418456 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418456 | Investor: Qualifying Total Debt Ratio | 0.333 | 33.56356 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418454 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418454 | Investor: Qualifying Total Debt Ratio | 0.4185 | 41.96574 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418224 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304418224 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418224 | Investor: Qualifying Total Debt Ratio | 0.3942 | 39.37172 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418259 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418259 | Investor: Qualifying Total Debt Ratio | 0.3811 | 38.11423 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418276 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418276 | Investor: Qualifying Total Debt Ratio | 0.4442 | 44.41465 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418342 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418342 | Investor: Qualifying Total Debt Ratio | 0.3655 | 35.92594 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418360 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304418360 | Investor: Qualifying Total Debt Ratio | 0.4078 | 40.7779 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418385 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418385 | Investor: Qualifying Total Debt Ratio | 0.2759 | 27.65027 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418388 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418388 | Investor: Qualifying Total Debt Ratio | 0.4357 | 43.57781 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418245 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304418245 | Representative FICO | 801 | 777 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418326 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418326 | Investor: Qualifying Total Debt Ratio | 0.3904 | 39.03915 | Verified | All Income and Liabilities are updated per document |
| 304418287 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418287 | Investor: Qualifying Total Debt Ratio | 0.434 | 43.39879 | Verified | Unable to verify due to missing information |
| 304418371 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418371 | Investor: Qualifying Total Debt Ratio | 0.4351 | 42.94162 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304418383 | Representative FICO | 736 | 740 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418383 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418383 | Investor: Qualifying Total Debt Ratio | 0.3668 | 36.71056 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418411 | Representative FICO | 803 | 800 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418411 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418411 | Investor: Qualifying Total Debt Ratio | 0.3587 | 35.81295 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418412 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418412 | Investor: Qualifying Total Debt Ratio | 0.4376 | 43.7364 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418406 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418406 | Investor: Qualifying Total Debt Ratio | 0.4455 | 44.31619 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418300 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418300 | Investor: Qualifying Total Debt Ratio | 0.4235 | 42.5425 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418209 | Investor: Qualifying Total Debt Ratio | 0.4428 | 44.3103 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418274 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304418274 | Investor: Qualifying Total Debt Ratio | 0.4457 | 44.66234 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418305 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418305 | Investor: Qualifying Total Debt Ratio | 0.2268 | 17.30966 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418298 | Representative FICO | 761 | 731 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418298 | Investor: Qualifying Total Debt Ratio | 0.3509 | 34.93924 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418435 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418435 | Investor: Qualifying Total Debt Ratio | 0.4135 | 42.67454 | Verified | Similar to lenders approval. |
| 304418336 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418336 | Investor: Qualifying Total Debt Ratio | 0.3552 | 35.45446 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418477 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304418477 | Representative FICO | 725 | 721 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418477 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418477 | Investor: Qualifying Total Debt Ratio | 0.4104 | 41.06174 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418464 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304418444 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304418444 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304418444 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418444 | Investor: Qualifying Total Debt Ratio | 0.2795 | 27.94636 | Verified | Unable to verify due to missing information |
| 304418466 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418226 | Investor: Qualifying Total Debt Ratio | 0.2706 | 27.06239 | Verified | Matching with 1008 |
| 304418284 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304418284 | Investor: Qualifying Total Debt Ratio | 0.4498 | 44.9849 | Verified | Unable to verify due to missing information |
| 304418210 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418266 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304418266 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418266 | Investor: Qualifying Total Debt Ratio | 0.342 | 34.19532 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418222 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304418222 | Investor: Qualifying Total Debt Ratio | 0.4355 | 43.54937 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418418 | Representative FICO | 741 | 739 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418418 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418418 | Investor: Qualifying Total Debt Ratio | 0.396 | 39.1998 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418403 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304418413 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304418413 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418413 | Investor: Qualifying Total Debt Ratio | 0.3517 | 33.2724 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418386 | Investor: Qualifying Total Debt Ratio | 0.3844 | 38.43342 | Verified | Unable to verify due to missing information |
| 304418346 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304418346 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304418346 | Investor: Qualifying Total Debt Ratio | 0.4483 | 44.83333 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418419 | Representative FICO | 795 | 793 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418419 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304418419 | Investor: Qualifying Total Debt Ratio | 0.2889 | 28.87754 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418450 | Investor: Qualifying Total Debt Ratio | 0.3938 | 40.22481 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418349 | Representative FICO | 767 | 746 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418349 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418349 | Investor: Qualifying Total Debt Ratio | 0.4334 | 43.34144 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418452 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418452 | Investor: Qualifying Total Debt Ratio | 0.3959 | 41.8442 | Verified | Lender approved at 39.5%. |
| 304418271 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304418271 | Investor: Qualifying Total Debt Ratio | 0.3101 | 31.0076 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418254 | Investor: Qualifying Total Debt Ratio | 0.4358 | 43.99743 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418240 | Investor: Qualifying Total Debt Ratio | 0.3393 | 33.93204 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418208 | Representative FICO | 712 | 689 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418208 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418208 | Investor: Qualifying Total Debt Ratio | 0.3813 | 38.13103 | Verified | All Income and Liabilities are updated per document |
| 304418337 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418337 | Investor: Qualifying Total Debt Ratio | 0.3418 | 34.17987 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418339 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418339 | Investor: Qualifying Total Debt Ratio | 0.448 | 44.80252 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418389 | Investor: Qualifying Total Debt Ratio | 0.4287 | 42.86848 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418391 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418356 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418356 | Investor: Qualifying Total Debt Ratio | 0.446 | 44.59937 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304418366 | Representative FICO | 745 | 731 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418409 | Investor: Qualifying Total Debt Ratio | 0.4213 | 42.13189 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418272 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418272 | Investor: Qualifying Total Debt Ratio | 0.3653 | 36.53158 | Verified | Matching with 1008 |
| 304418325 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418325 | Investor: Qualifying Total Debt Ratio | 0.4118 | 41.01783 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418304 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418304 | Investor: Qualifying Total Debt Ratio | 0.4492 | 44.91631 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418246 | Investor: Qualifying Total Debt Ratio | 0.4722 | 47.2738 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418414 | Investor: Qualifying Total Debt Ratio | 0.4288 | 42.84679 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418416 | Investor: Qualifying Total Debt Ratio | 0.4375 | 43.74911 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418482 | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304418239 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304418239 | Investor: Qualifying Total Debt Ratio | 0.3866 | 38.65945 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418301 | Investor: Qualifying Total Debt Ratio | 0.4417 | 44.16773 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418332 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418332 | Investor: Qualifying Total Debt Ratio | 0.4215 | 42.34365 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 304418453 | Representative FICO | 747 | 739 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418453 | Investor: Qualifying Total Debt Ratio | 0.3793 | 37.46649 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418434 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418434 | Investor: Qualifying Total Debt Ratio | 0.438 | 43.80395 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418292 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418292 | Investor: Qualifying Total Debt Ratio | 0.4399 | 44.33822 | Verified | All Income and Liabilities are updated per document |
| 304418345 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304418345 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304418345 | Investor: Qualifying Total Debt Ratio | 0.1767 | 17.77425 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418334 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304418334 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418334 | Investor: Qualifying Total Debt Ratio | 0.3468 | 33.70225 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418320 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304418320 | Representative FICO | 724 | 711 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418324 | Representative FICO | 762 | 759 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418324 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418324 | Investor: Qualifying Total Debt Ratio | 0.278 | 25.1871 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418296 | Representative FICO | 744 | 714 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418296 | Property Type | Condo | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304418296 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418296 | Investor: Qualifying Total Debt Ratio | 0.444 | 44.40263 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418295 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418295 | Investor: Qualifying Total Debt Ratio | 0.4387 | 42.84611 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418333 | Representative FICO | 735 | 733 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304418333 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418333 | Investor: Qualifying Total Debt Ratio | 0.3042 | 30.41855 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418364 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418364 | Investor: Qualifying Total Debt Ratio | 0.2565 | 25.64876 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418479 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418479 | Investor: Qualifying Total Debt Ratio | 0.4494 | 44.94469 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418357 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418357 | Investor: Qualifying Total Debt Ratio | 0.4491 | 43.49521 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418468 | Investor: Qualifying Total Debt Ratio | 0.4479 | 44.66087 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418306 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418306 | Investor: Qualifying Total Debt Ratio | 0.4215 | 42.7966 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418348 | Investor: Qualifying Total Debt Ratio | 0.43 | 42.67901 | Verified | DTI is matching with 1008 |
| 304418207 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418207 | Investor: Qualifying Total Debt Ratio | 0.4658 | 46.57557 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418255 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418255 | Investor: Qualifying Total Debt Ratio | 0.2346 | 23.45734 | Verified | Unable to verify due to missing information |
| 304418374 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418374 | Investor: Qualifying Total Debt Ratio | 0.2899 | 28.8327 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418380 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418380 | Investor: Qualifying Total Debt Ratio | 0.3646 | 36.83922 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304418353 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304418353 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304418353 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418353 | Investor: Qualifying Total Debt Ratio | 0.4429 | 44.28942 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304418355 | Representative FICO | 683 | 681 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 304418355 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418355 | Investor: Qualifying Total Debt Ratio | 0.3732 | 37.66205 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304418473 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304418473 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418473 | Investor: Qualifying Total Debt Ratio | 0.4408 | 44.08349 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304385093 | Investor: Qualifying Total Debt Ratio | 38.13 | 43.50984 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304387441 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304387441 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304387441 | Original CLTV | 88.48 | 89.98995 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304398246 | Coborrower Last Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304392255 | Investor: Qualifying Total Debt Ratio | 14.74 | 48.61792 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304392253 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304392253 | Investor: Qualifying Total Debt Ratio | 17.27 | 47.39651 | Verified | Tape data is wrong. Loan approved at 44.502% |
| 304390422 | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304398529 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304401036 | Property Type | Single Family Detached | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| 304401105 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304402763 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304398660 | Investor: Qualifying Total Debt Ratio | 42.88 | 26.60405 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304401037 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 304401037 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304401037 | Investor: Qualifying Total Debt Ratio | 25.1 | 32.26173 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304416201 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 304416201 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304385443 | Investor: Qualifying Total Debt Ratio | 24.92 | 28.0557 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304393745 | Investor: Qualifying Total Debt Ratio | 38.5 | 49.47427 | Verified | Lenders approval reflects 49%. |
| 304415949 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304400806 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304416287 | Investor: Qualifying Total Debt Ratio | 34.66 | 40.50515 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304385095 | Investor: Qualifying Total Debt Ratio | 21.57 | 44.9077 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304385080 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304401312 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304425976 | Investor: Qualifying Total Debt Ratio | 35.06 | 40.97851 | Verified | Review used a more conservative income calculation. |
| 304426081 | Representative FICO | 716 | 709 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304426081 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426084 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304426084 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304425981 | Representative FICO | 725 | 699 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304426107 | Representative FICO | 788 | 729 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304426028 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426139 | Representative FICO | 741 | 737 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304425999 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426047 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426055 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426048 | Representative FICO | 727 | 721 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304426048 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426071 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426143 | Representative FICO | 807 | 760 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304426143 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426156 | Representative FICO | 725 | 723 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304426053 | Investor: Qualifying Total Debt Ratio | 38.38 | 42.97963 | Verified | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |
| 304426060 | Representative FICO | 713 | 689 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304426147 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426069 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426086 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304425937 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304425937 | Original CLTV | 67.561 | 20.67413 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304426185 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304426185 | Original CLTV | 67.962 | 61.56816 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304426170 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304426170 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304426170 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426046 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304425986 | Representative FICO | 780 | 765 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304425986 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426155 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304425963 | Representative FICO | 745 | 744 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304426125 | Representative FICO | 706 | 698 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304426125 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426153 | Representative FICO | 793 | 727 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304426153 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426180 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426061 | Representative FICO | 755 | 734 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 304426087 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304426014 | Original CLTV | 84.99 | 82.84909 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304426138 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426059 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304426059 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304426059 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426067 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426163 | Representative FICO | 778 | 769 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304426044 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426110 | Representative FICO | 773 | 752 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304426110 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426099 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426018 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304426101 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304426101 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304426101 | Representative FICO | 772 | 718 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304425944 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304426135 | Representative FICO | 725 | 721 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304426135 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304425935 | Representative FICO | 730 | 706 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304425980 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426073 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426075 | Representative FICO | 803 | 726 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304426164 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304426164 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304398566 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304398576 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304398576 | Original CLTV | 63.35 | 60.70215 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304416545 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304416499 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304416499 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304416499 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304419532 | Investor: Qualifying Total Debt Ratio | 21.87 | 38.33506 | Verified | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |
| 304365327 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304398644 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304405706 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304405706 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304419017 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304420151 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428389 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428431 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428543 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428551 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304428551 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428577 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428482 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428681 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428690 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304428690 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304428725 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304428702 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428544 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304428544 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428450 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428599 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304428599 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428632 | Property Type |  | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304428632 | Occupancy |  | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 304428632 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428650 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428366 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428520 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428556 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428565 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428703 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304428703 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304428703 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304428678 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428678 | Original CLTV | 79.816 | 83.61519 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304428678 | Original LTV | 28.772 | 30.37037 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304428701 | Representative FICO | 728 | 744 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304428701 | Investor: Qualifying Total Debt Ratio | 38.68 | 45.20527 | Verified | Matches approval. |
| 304428348 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304428348 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304428369 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428537 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304428537 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304428561 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304428561 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304428561 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304428557 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428584 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428584 | Investor: Qualifying Total Debt Ratio | 42.87 | 48.63506 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304428446 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428436 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304428519 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304428519 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428560 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428612 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304428612 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428707 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304428707 | Original CLTV | 67.633 | 69.27784 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304428411 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304428421 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304428535 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428535 | Original CLTV | 71.142 | 66.32319 | Verified | Tape Value reflects the LTV value |
| 304428538 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428531 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428487 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428590 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304428590 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304428590 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304428590 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304428720 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428720 | Original CLTV | 79.182 | 8.35015 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304428720 | Original LTV | 47.143 | 4.98185 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304428396 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428452 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428517 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428682 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428485 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428688 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428417 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428432 | Representative FICO | 718 | 707 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304428471 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428490 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304428490 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428549 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428541 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428491 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428610 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428364 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428461 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304428461 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304428461 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428410 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428457 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428463 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428583 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428611 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428680 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304428680 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304428694 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304428694 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304428659 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428669 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428399 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428506 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428496 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428496 | Investor: Qualifying Total Debt Ratio | 37.68 | 34.3626 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304428615 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428360 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428513 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428484 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428492 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428576 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428652 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304428661 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428661 | Investor: Qualifying Total Debt Ratio | 41.8 | 47.30613 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304428466 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304428691 | Investor: Qualifying Total Debt Ratio | 28.87 | 32.23919 | Verified | Lender did not include the student loans. |
| 304428626 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428626 | Investor: Qualifying Total Debt Ratio | 44.16 | 40.29542 | Verified | Excluded a payment with less than 10 payments. |
| 304428676 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304420136 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304420136 | Original CLTV | 60.16 | 62.79229 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304401304 | Original CLTV | 76.83 | 73.6304 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304401304 | Investor: Qualifying Total Debt Ratio | 37.34 | 41.45001 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304384880 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304384880 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304392233 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304393341 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304393341 | Original CLTV | 53.13 | 42.56691 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304393341 | Original LTV | 12.68 | 10.16023 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304393341 | Investor: Qualifying Total Debt Ratio | 42.58 | 45.71447 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304393212 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304416260 | Original Interest Rate | 9.38 | 9.375 | Verified | Field Value reflects the Note value |
| 304416260 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304416260 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304392162 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304392162 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304420844 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304420844 | Investor: Qualifying Total Debt Ratio | 43.22 | 35.31002 | Verified | 1008 reflects total DTI of 35.439%. |
| 304400787 | Original Interest Rate | 8.63 | 8.625 | Verified | Field Value reflects the Note value |
| 304400787 | Original CLTV | 55.8 | 53.92915 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304400787 | Investor: Qualifying Total Debt Ratio | 42.84 | 39.68462 | Verified | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |
| 304418806 | Investor: Qualifying Total Debt Ratio | 32.96 | 27.08937 | Verified | Verified Credit income and subject expenses still there is a discrepancy in dti |
| 304401940 | Investor: Qualifying Total Debt Ratio | 28.08 | 31.21967 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304423265 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 304423265 | Original CLTV | 49.89 | 47.0803 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304387624 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304387624 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304387624 | Original CLTV | 55.78 | 64.15843 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304387624 | Original LTV | 14.15 | 16.30435 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304387624 | Investor: Qualifying Total Debt Ratio | 45.14 | 38.39206 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304422971 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304416501 | Investor: Qualifying Total Debt Ratio | 48.2 | 42.18193 | Verified | Tax Updated as per doc hence there is a difference |
| 304391221 | Original Interest Rate | 9.38 | 9.375 | Verified | Field Value reflects the Note value |
| 304424089 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304424089 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304417252 | Investor: Qualifying Total Debt Ratio | 43.41 | 46.81887 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304419530 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304419530 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304392229 | Investor: Qualifying Total Debt Ratio | 17.87 | 47.73742 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304415930 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304422954 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304422954 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304400608 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304400608 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304400608 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304400608 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304400608 | Original CLTV | 74.89 | 72.7855 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304400608 | Original LTV | 13.44 | 5.83658 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304400608 | Investor: Qualifying Total Debt Ratio | 17.04 | 26.48805 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304405721 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 304405721 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304398239 | Original Interest Rate | 8.63 | 8.625 | Verified | Field Value reflects the Note value |
| 304398239 | Investor: Qualifying Total Debt Ratio | 44.94 | 38.51808 | Verified | Matches 1008. |
| 304405444 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304405444 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304425266 | Original Interest Rate | 8.625 | 9 | Verified | Field Value reflects the Note value |
| 304425266 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304425266 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304425266 | Original CLTV | 71.69 | 76.13311 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304423664 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304423664 | Original CLTV | 70.99 | 74.9014 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304423664 | Original LTV | 27.91 | 29.44882 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304438855 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438855 | Investor: Qualifying Total Debt Ratio | 0.4171 | 41.70633 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304438857 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438857 | Investor: Qualifying Total Debt Ratio | 0.4032 | 40.32228 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304438877 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438877 | Investor: Qualifying Total Debt Ratio | 0.2803 | 27.45058 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304439012 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439012 | Investor: Qualifying Total Debt Ratio | 0.3143 | 31.39635 | Verified | Verified |
| 304438978 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438978 | Investor: Qualifying Total Debt Ratio | 0.433 | 44.82089 | Verified | 1008 reflects 43.302% DTI |
| 304439045 | Representative FICO | 788 | 722 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304439045 | Investor: Qualifying Total Debt Ratio | 0.4488 | 44.8778 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304439066 | Investor: Qualifying Total Debt Ratio | 0.4159 | 41.59138 | Verified | 1008 reflects 41.592% DTI. |
| 304439076 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304439076 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439076 | Investor: Qualifying Total Debt Ratio | 0.3037 | 30.37153 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304438801 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304438801 | Original CLTV | 78.103 | 69.40051 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304438801 | Investor: Qualifying Total Debt Ratio | 0.4614 | 46.13645 | Verified | Unable to verify due to missing information |
| 304438822 | Representative FICO | 699 | 686 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438822 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438822 | Investor: Qualifying Total Debt Ratio | 0.4443 | 44.08679 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438904 | Investor: Qualifying Total Debt Ratio | 0.314 | 31.4004 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438809 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438809 | Investor: Qualifying Total Debt Ratio | 0.2717 | 27.19727 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304438839 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438853 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438853 | Investor: Qualifying Total Debt Ratio | 0.3556 | 35.55806 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304439001 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304439001 | Investor: Qualifying Total Debt Ratio | 0.3714 | 36.49922 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304439004 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439043 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439043 | Investor: Qualifying Total Debt Ratio | 0.3813 | 36.47553 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438848 | Representative FICO | 791 | 700 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438848 | Investor: Qualifying Total Debt Ratio | 0.3448 | 34.48443 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438893 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438893 | Investor: Qualifying Total Debt Ratio | 0.3077 | 30.74184 | Verified | Decimal discrepancy |
| 304438832 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304438832 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304438832 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438832 | Investor: Qualifying Total Debt Ratio | 0.2458 | 21.56245 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304438828 | Investor: Qualifying Total Debt Ratio | 0.4759 | 45.09098 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 304439081 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304439081 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304439018 | Investor: Qualifying Total Debt Ratio | 0.2729 | 27.29221 | Verified | Unable to verify due to missing information |
| 304438998 | Representative FICO | 793 | 691 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438998 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438998 | Investor: Qualifying Total Debt Ratio | 0.4338 | 43.38434 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304438836 | Representative FICO | 791 | 745 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438836 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304438836 | Investor: Qualifying Total Debt Ratio | 0.3367 | 33.75489 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304438800 | Investor: Qualifying Total Debt Ratio | 0.4415 | 46.84992 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304438951 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304438951 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304438951 | Investor: Qualifying Total Debt Ratio | 0.3588 | 35.87627 | Verified | 1008 reflects 35.876% DTI |
| 304438958 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438958 | Investor: Qualifying Total Debt Ratio | 0.4122 | 41.22014 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438952 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304438952 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304438952 | Representative FICO | 747 | 738 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304439058 | Investor: Qualifying Total Debt Ratio | 0.4055 | 43.43762 | Verified | Decimal discrepancy |
| 304439075 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304439075 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304439075 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439075 | Investor: Qualifying Total Debt Ratio | 0.4462 | 44.98754 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438829 | Representative FICO | 704 | 699 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438829 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438829 | Investor: Qualifying Total Debt Ratio | 0.4039 | 40.82385 | Verified | This looks like due to typo on bid tape so nothing further needed |
| 304438873 | Representative FICO | 747 | 704 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438873 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438873 | Investor: Qualifying Total Debt Ratio | 0.4084 | 40.83615 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438879 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438879 | Investor: Qualifying Total Debt Ratio | 0.4496 | 44.96105 | Verified | All Income and Liabilities are updated per document |
| 304438944 | Representative FICO | 762 | 742 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438944 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438944 | Investor: Qualifying Total Debt Ratio | 0.4994 | 48.11272 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304438867 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438867 | Investor: Qualifying Total Debt Ratio | 0.2305 | 23.0497 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438870 | Investor: Qualifying Total Debt Ratio | 0.4546 | 45.4583 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304439026 | Representative FICO | 720 | 706 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 304439026 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439026 | Investor: Qualifying Total Debt Ratio | 0.4482 | 44.90262 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304439080 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439080 | Investor: Qualifying Total Debt Ratio | 0.2976 | 29.79585 | Verified | All Income and Liabilities are updated per document |
| 304439087 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439087 | Investor: Qualifying Total Debt Ratio | 0.4475 | 44.74862 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304439044 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439044 | Investor: Qualifying Total Debt Ratio | 0.4272 | 42.73525 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304439057 | Representative FICO | 754 | 736 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304439072 | Investor: Qualifying Total Debt Ratio | 0.4066 | 37.21566 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304439015 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304439015 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439015 | Investor: Qualifying Total Debt Ratio | 0.3187 | 30.95339 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304439039 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439062 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439062 | Investor: Qualifying Total Debt Ratio | 0.3843 | 38.428 | Verified | Matching with 1008 |
| 304438874 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438874 | Investor: Qualifying Total Debt Ratio | 0.3343 | 33.4295 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438821 | Representative FICO | 790 | 681 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438821 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438821 | Investor: Qualifying Total Debt Ratio | 0.2906 | 29.4194 | Verified | 1008 reflects 29.061% DTI |
| 304439095 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304439095 | Original CLTV | 78.473 | 79.52175 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304439095 | Investor: Qualifying Total Debt Ratio | 0.3512 | 28.25899 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304438930 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439111 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304439111 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439111 | Investor: Qualifying Total Debt Ratio | 0.4549 | 47.33662 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304439083 | Investor: Qualifying Total Debt Ratio | 0.4228 | 46.09561 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304438878 | Representative FICO | 729 | 727 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438878 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438878 | Investor: Qualifying Total Debt Ratio | 0.3829 | 38.2892 | Verified | 1008 reflects 38.289% DTI |
| 304438890 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438890 | Investor: Qualifying Total Debt Ratio | 0.4314 | 43.29817 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304438882 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438882 | Investor: Qualifying Total Debt Ratio | 0.4937 | 49.37348 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438817 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438817 | Investor: Qualifying Total Debt Ratio | 0.3836 | 37.42759 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438806 | Investor: Qualifying Total Debt Ratio | 0.3423 | 34.22778 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438923 | Representative FICO | 726 | 722 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438923 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438923 | Investor: Qualifying Total Debt Ratio | 0.4377 | 43.77436 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 304439020 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439020 | Investor: Qualifying Total Debt Ratio | 0.4169 | 41.68799 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304439010 | Representative FICO | 763 | 728 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438936 | Representative FICO | 721 | 720 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438966 | Representative FICO | 738 | 707 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438939 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304438939 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304438939 | Investor: Qualifying Total Debt Ratio | 0.3666 | 29.94862 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438799 | Representative FICO | 713 | 710 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438799 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438799 | Investor: Qualifying Total Debt Ratio | 0.4359 | 43.58789 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438875 | Investor: Qualifying Total Debt Ratio | 0.4292 | 48.1947 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304438920 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438920 | Investor: Qualifying Total Debt Ratio | 0.3487 | 34.86112 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304438940 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438940 | Investor: Qualifying Total Debt Ratio | 0.2816 | 28.15591 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304438991 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438991 | Investor: Qualifying Total Debt Ratio | 0.2981 | 29.73332 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438992 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304438992 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304438992 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438992 | Investor: Qualifying Total Debt Ratio | 0.331 | 33.53423 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304439061 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439061 | Investor: Qualifying Total Debt Ratio | 0.4479 | 44.79026 | Verified | 1008 reflects 44.788% DTI. |
| 304438945 | Representative FICO | 740 | 687 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438945 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438945 | Investor: Qualifying Total Debt Ratio | 0.3748 | 37.48837 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438989 | Investor: Qualifying Total Debt Ratio | 0.4319 | 43.18925 | Verified | Matching with DTI |
| 304438831 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438831 | Investor: Qualifying Total Debt Ratio | 0.3473 | 33.91153 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304438895 | Representative FICO | 802 | 781 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438895 | Investor: Qualifying Total Debt Ratio | 0.2459 | 24.58115 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304438845 | Investor: Qualifying Total Debt Ratio | 0.3088 | 30.88195 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304439023 | Investor: Qualifying Total Debt Ratio | 0.2292 | 22.91861 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304438961 | Representative FICO | 722 | 730 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438961 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438961 | Investor: Qualifying Total Debt Ratio | 0.4496 | 44.95647 | Verified | 1008 reflects 44.956% DTI. |
| 304439034 | Investor: Qualifying Total Debt Ratio | 0.4192 | 41.92093 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304439035 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304439035 | Representative FICO | 781 | 768 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304439110 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304439110 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439110 | Investor: Qualifying Total Debt Ratio | 0.4025 | 40.25034 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438962 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438962 | Investor: Qualifying Total Debt Ratio | 0.4996 | 49.93496 | Verified | DTI of 52.16% exceeds guideline max of 45%. Unable to verify year to date overtime, bonus and commission from the paystubs provided. Lender approved the DTI at 49.9%. |
| 304438802 | Representative FICO | 711 | 708 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304438802 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438802 | Investor: Qualifying Total Debt Ratio | 0.4279 | 42.7866 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438862 | Investor: Qualifying Total Debt Ratio | 0.2856 | 28.56194 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304438864 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304438864 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304438994 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304438994 | Investor: Qualifying Total Debt Ratio | 0.4118 | 41.23898 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304438972 | Investor: Qualifying Total Debt Ratio | 0.3518 | 35.07509 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 304439085 | Representative FICO | 806 | 792 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304439085 | Investor: Qualifying Total Debt Ratio | 0.4248 | 42.58813 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304439054 | Investor: Qualifying Total Debt Ratio | 0.4421 | 46.563 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304439071 | Representative FICO | 749 | 730 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304439071 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439071 | Investor: Qualifying Total Debt Ratio | 0.4126 | 41.26429 | Verified | 1008 reflect 41.262% DTI |
| 304432297 | Original Interest Rate | 9.63 | 9.625 | Verified | Field Value reflects the Note value |
| 304432297 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304432297 | Investor: Qualifying Total Debt Ratio | 30.69 | 35.21865 | Verified | Matching with 1008 |
| 304428876 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428876 | Investor: Qualifying Total Debt Ratio | 39.19 | 47.2696 | Verified | The Lender's 1008 reflects a Total DTI of 47.040%. |
| 304401959 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426222 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426222 | Investor: Qualifying Total Debt Ratio | 42.21 | 47.16239 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304427458 | Investor: Qualifying Total Debt Ratio | 32.57 | 39.65475 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304419321 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304419321 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304419321 | Investor: Qualifying Total Debt Ratio | 49.73 | 45.87178 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304432875 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304432875 | Investor: Qualifying Total Debt Ratio | 32.07 | 28.37097 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304420076 | Original CLTV | 6.99 | 32.95581 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304419533 | Original CLTV | 70.6 | 72.82392 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304418741 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304418741 | Original CLTV | 34.99 | 30.7282 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304443030 | Representative FICO | 751 | 704 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304443030 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442520 | Representative FICO | 755 | 739 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442569 | Representative FICO | 743 | 741 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442569 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442512 | Original Interest Rate | 8.63 | 8.625 | Verified | Field Value reflects the Note value |
| 304442512 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442575 | Representative FICO | 699 | 689 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304443025 | Representative FICO | 742 | 741 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442568 | Representative FICO | 780 | 770 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442558 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304442558 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304442558 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442509 | Representative FICO | 792 | 776 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442495 | Representative FICO | 759 | 740 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442519 | Representative FICO | 750 | 726 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442502 | Representative FICO | 727 | 696 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442500 | Representative FICO | 761 | 737 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442572 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304442572 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304442572 | Investor: Qualifying Total Debt Ratio | 38.67 | 42.13117 | Verified | Borrower income is not match with 1008 |
| 304442607 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304442607 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304442607 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442606 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304442606 | Original Interest Rate | 9.88 | 9.875 | Verified | Field Value reflects the Note value |
| 304442606 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304442477 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304442593 | Representative FICO | 805 | 799 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442599 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304442599 | Representative FICO | 713 | 683 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442602 | Representative FICO | 737 | 733 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442595 | Investor: Qualifying Total Debt Ratio | 38.79 | 42.42842 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304442583 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304442583 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304442564 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304442564 | Representative FICO | 719 | 699 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442596 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304442601 | Original Interest Rate | 10.38 | 10.375 | Verified | Field Value reflects the Note value |
| 304442601 | Investor: Qualifying Total Debt Ratio | 39.08 | 45.19163 | Verified | New employer has no history of overtime and no confirmation of continuance, in order to use to qualify. |
| 304442589 | Original Interest Rate | 8.63 | 8.625 | Verified | Field Value reflects the Note value |
| 304442589 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442505 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304442505 | Representative FICO | 756 | 748 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304443027 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304443027 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304442577 | Representative FICO | 735 | 724 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442559 | Representative FICO | 802 | 793 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442591 | Representative FICO | 750 | 723 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442697 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304442851 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304442851 | Original Interest Rate | 10.88 | 10.875 | Verified | Field Value reflects the Note value |
| 304442851 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304442821 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442681 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442838 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442838 | Investor: Qualifying Total Debt Ratio | 35.96 | 39.02 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304442778 | Representative FICO | 763 | 755 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442778 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304442864 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442864 | Investor: Qualifying Total Debt Ratio | 38.28 | 44.65807 | Verified | Matches approval. |
| 304442768 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442720 | Representative FICO | 768 | 729 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442720 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442801 | Representative FICO | 713 | 706 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442870 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442825 | Representative FICO | 752 | 724 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442825 | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304442825 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442849 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442796 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304442856 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304442856 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442758 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304442862 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304442847 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442711 | Representative FICO | 773 | 699 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442711 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442753 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442771 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442740 | Original Interest Rate | 9.38 | 9.375 | Verified | Field Value reflects the Note value |
| 304442740 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442779 | Original Interest Rate | 9.38 | 9.375 | Verified | Field Value reflects the Note value |
| 304442779 | Representative FICO | 700 | 686 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442833 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442723 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304442723 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442866 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304442866 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304442866 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442887 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304442887 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304442887 | Representative FICO | 794 | 764 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442887 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442887 | Investor: Qualifying Total Debt Ratio | 21.73 | 14.95804 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304442812 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304442812 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304442812 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442867 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304442867 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304442867 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304442867 | Representative FICO | 808 | 801 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442890 | Representative FICO | 766 | 760 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442739 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442752 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442699 | Representative FICO | 776 | 753 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442699 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442905 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442905 | Investor: Qualifying Total Debt Ratio | 47.35 | 40.86908 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304442736 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304442736 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442690 | Representative FICO | 742 | 729 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442690 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442751 | Representative FICO | 737 | 699 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442726 | Original Interest Rate | 9.63 | 9.625 | Verified | Field Value reflects the Note value |
| 304442726 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442818 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304442757 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442841 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304442841 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442872 | Original Interest Rate | 9.88 | 9.875 | Verified | Field Value reflects the Note value |
| 304442872 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442703 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442703 | Investor: Qualifying Total Debt Ratio | 42.43 | 46.24949 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304442816 | Investor: Qualifying Total Debt Ratio | 30.27 | 26.47538 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304442793 | Representative FICO | 793 | 778 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442718 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304442718 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442718 | Investor: Qualifying Total Debt Ratio | 40.08 | 31.26694 | Verified | Lender added taxes and insurance twice. |
| 304442809 | Representative FICO | 746 | 703 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442698 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304442698 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442875 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442824 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442700 | City | xxxx | xxxx | Verified | Field Value reflects City per Appraisal |
| 304442700 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442773 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426842 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304432611 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304432611 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304432611 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304432611 | Original CLTV | 72.68 | 74.20766 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304432611 | Original LTV | 12.99 | 14.519 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304426491 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304419168 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304419168 | Original CLTV | 73.75 | 69.56199 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304419168 | Original LTV | 22.09 | 20.86811 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304436452 | Investor: Qualifying Total Debt Ratio | 34.26 | 30.26281 | Verified | Matches approval. |
| 304432576 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304432576 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304398747 | Investor: Qualifying Total Debt Ratio | 34.44 | 12.68044 | Verified | Matches approval. |
| 304420420 | Representative FICO | 718 | 715 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304424088 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304424088 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304420754 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304420754 | Investor: Qualifying Total Debt Ratio | 22.83 | 45.0001 | Verified | Matches approval. |
| 304436565 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304436565 | Original Interest Rate | 9.63 | 9.625 | Verified | Field Value reflects the Note value |
| 304436565 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304436565 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304436565 | Original LTV | 13.06 | 18.73333 | Verified | Tape Value is rounded and within less than 1% of actual calculated LTV |
| 304436565 | Investor: Qualifying Total Debt Ratio | 36.66 | 43.23629 | Verified | Matches 1008. |
| 304415942 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304444833 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304436566 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304433058 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304433058 | Investor: Qualifying Total Debt Ratio | 43.86 | 38.78493 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304425600 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304425600 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304425600 | Investor: Qualifying Total Debt Ratio | 26.49 | 48.06754 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304420852 | Original Interest Rate | 9.5 | 9.375 | Verified | Field Value reflects the Note value |
| 304420852 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304423571 | Investor: Qualifying Total Debt Ratio | 18.74 | 36.70005 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304423264 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304420853 | Original CLTV | 78.92 | 67.96951 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304420853 | Investor: Qualifying Total Debt Ratio | 7.81 | 45.64392 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304432403 | Investor: Qualifying Total Debt Ratio | 38 | 33.77669 | Verified | Tax & Insurance has been included in the First Mortgage P & I per 1008. However, only calculated P & I amount in DTI as per Mortgage Statement. |
| 304425280 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304425280 | Investor: Qualifying Total Debt Ratio | 33.27 | 39.3115 | Verified | Verified with 1008 |
| 304432295 | Original Interest Rate | 9.88 | 9.875 | Verified | Field Value reflects the Note value |
| 304437701 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304437701 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304427457 | Investor: Qualifying Total Debt Ratio | 37.97 | 47.07219 | Verified | Tape data is incorrect. Loan approved at 47% |
| 304426221 | Original CLTV | 76.13 | 77.18619 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304426221 | Investor: Qualifying Total Debt Ratio | 11.32 | 27.98628 | Verified | Matches 1008. |
| 304428334 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304428334 | Investor: Qualifying Total Debt Ratio | 37.9 | 33.82896 | Verified | Matches approval. |
| 304432237 | Investor: Qualifying Total Debt Ratio | 44.6 | 39.36773 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304425054 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304425054 | Original CLTV | 72.14 | 69.21149 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304435350 | Investor: Qualifying Total Debt Ratio | 42.77 | 48.68961 | Verified | Matching with 1008 |
| 304432638 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304432638 | Investor: Qualifying Total Debt Ratio | 44.99 | 41.38549 | Verified | 1008 reflects 41.386% DTI. |
| 304432296 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304432763 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304432763 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304438725 | Investor: Qualifying Total Debt Ratio | 44.55 | 48.23856 | Verified | matches 1008. |
| 304405705 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457567 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304457567 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457501 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457605 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457666 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304457666 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457832 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304457832 | Investor: Qualifying Total Debt Ratio | 23.96 | 18.30053 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304457691 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304457715 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457848 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457864 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457486 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457487 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457507 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457647 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457809 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304457809 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304457837 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457708 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457812 | Representative FICO | 695 | 689 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304457821 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304457824 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304457580 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304457580 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457590 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304457705 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457723 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457723 | Investor: Qualifying Total Debt Ratio | 47.56 | 42.46828 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304457555 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304457555 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457481 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457682 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457790 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304457790 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457523 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457592 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457614 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304457614 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304457614 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457730 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304457730 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457839 | Representative FICO | 763 | 769 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304457564 | Investor: Qualifying Total Debt Ratio | 37.84 | 33.21745 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304457489 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457582 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457850 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457819 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457547 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304457547 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457573 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457528 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457699 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457728 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304457750 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457760 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304457840 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304457840 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457846 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304457846 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304457586 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457586 | Investor: Qualifying Total Debt Ratio | 37.91 | 31.84062 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304457575 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304457575 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457608 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457752 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457785 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457802 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457536 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304457536 | Investor: Qualifying Total Debt Ratio | 38.26 | 33.84909 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304457545 | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304457545 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457631 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457838 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457852 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304457842 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304457558 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457496 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457502 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304457652 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457681 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457724 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304457743 | Representative FICO | 770 | 771 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304457743 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457751 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457768 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457849 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457540 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457579 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304457579 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457495 | Investor: Qualifying Total Debt Ratio | 49.2 | 39.5096 | Verified | Debt to income matches 1008. |
| 304457526 | City | xxxx | xxxx | Verified | Field Value reflects City per Appraisal |
| 304457581 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457687 | Investor: Qualifying Total Debt Ratio | 23.77 | 30.40291 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304457635 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304457633 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304457633 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457633 | Investor: Qualifying Total Debt Ratio | 44.99 | 39.71898 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304425885 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304438433 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304429029 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439270 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439611 | Investor: Qualifying Total Debt Ratio | 43.08 | 48.41658 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304419531 | Original CLTV | 57.87 | 54.86585 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304425104 | Investor: Qualifying Total Debt Ratio | 23 | 27.18314 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 304429045 | Investor: Qualifying Total Debt Ratio | 31.91 | 41.15346 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304428335 | Investor: Qualifying Total Debt Ratio | 45 | 48.21361 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304387783 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304429015 | Investor: Qualifying Total Debt Ratio | 36.36 | 40.00477 | Verified | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |
| 304441641 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304423251 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304423251 | Investor: Qualifying Total Debt Ratio | 35.25 | 46.40155 | Verified | Matches approval. |
| 304435362 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304440309 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304440309 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304440309 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304441762 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304441762 | Investor: Qualifying Total Debt Ratio | 39.17 | 32.22354 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304428732 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304428732 | Investor: Qualifying Total Debt Ratio | 32.73 | 49.66058 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304437847 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304436536 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304440089 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304439609 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304439609 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304459556 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304459556 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304442474 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442474 | Investor: Qualifying Total Debt Ratio | 38.55 | 45.70691 | Verified | Matches lenders 1008. |
| 304376556 | Investor: Qualifying Total Debt Ratio | 37.4 | 41.84742 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304427470 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304436612 | Investor: Qualifying Total Debt Ratio | 44.09 | 48.13146 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304437876 | Investor: Qualifying Total Debt Ratio | 43.32 | 49.96932 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304419018 | Investor: Qualifying Total Debt Ratio | 27.02 | 47.62231 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304442614 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304442614 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304442614 | Interest Only | 1 | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| 304442614 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442352 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428833 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304437875 | Representative FICO | 713 | 712 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304436631 | Investor: Qualifying Total Debt Ratio | 24.9 | 29.07315 | Verified | DTI is within 3%. 1008 reflects 28.627% |
| 304432936 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442966 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304422683 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304429674 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304429674 | Investor: Qualifying Total Debt Ratio | 9.82 | 35.82204 | Verified | 1008 reflects total DTI of 38.625%. Slightly higher as Lender included the taxes and insurance escrows twice in their DTI calculation. |
| 304436434 | Investor: Qualifying Total Debt Ratio | 36.12 | 44.87236 | Verified | Considered updated Insurance premium |
| 304442462 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304440273 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304416271 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304416271 | Investor: Qualifying Total Debt Ratio | 36.24 | 47.448 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304439665 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304432863 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466658 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466698 | Original CLTV | 73.2 | 76.31736 | Verified | CLTV is mismatching with 1008 document , Due to appraisal value. Provided AVM document is invalid document (Date is not reflected) |
| 304466669 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466668 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304466668 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466720 | Representative FICO | 797 | 763 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304466709 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466632 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304466632 | Representative FICO | 753 | 745 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304466632 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466631 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304466631 | Representative FICO | 776 | 754 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304466730 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304466730 | Representative FICO | 740 | 720 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304466710 | Representative FICO | 751 | 707 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304466710 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466665 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466613 | Representative FICO | 734 | 712 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304466718 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466706 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304466697 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304466697 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304466697 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466697 | Investor: Qualifying Total Debt Ratio | 19.93 | 15.5863 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304466598 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304466598 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304466606 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466603 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304466603 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304466699 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466725 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466733 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304466733 | Representative FICO | 817 | 809 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304466733 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466732 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304466714 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304466714 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304466714 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466704 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466695 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466683 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304466683 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304466683 | Representative FICO | 801 | 796 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304466683 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466663 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304466644 | Representative FICO | 754 | 726 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304466635 | Representative FICO | 749 | 718 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304466635 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304466607 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466646 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466717 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466623 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304441935 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304441935 | Investor: Qualifying Total Debt Ratio | 40.59 | 46.89361 | Verified | 1008 reflects 46.894% DTI. |
| 304443243 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304401140 | Investor: Qualifying Total Debt Ratio | 31.33 | 48.99581 | Verified | 1008 reflects 48.996% DTI. |
| 304443274 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304443274 | Investor: Qualifying Total Debt Ratio | 8.43 | 46.12368 | Verified | Matches approval. |
| 304416199 | Representative FICO | 750 | 746 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304416199 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304436635 | Original CLTV | 72.27 | 73.5842 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304436635 | Investor: Qualifying Total Debt Ratio | 43.98 | 48.61384 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304443569 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304443569 | Other Financing Junior Total Original Loan Amount | xxxx | xxxx | Verified | Field value reflects source document |
| 304436340 | Investor: Qualifying Total Debt Ratio | 35.75 | 46.26606 | Verified | Matching with 1008 |
| 304470338 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304470338 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304436416 | Investor: Qualifying Total Debt Ratio | 43.75 | 37.95266 | Verified | 1008 reflects 37.95% DTI |
| 304439187 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457457 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304457457 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304428750 | Investor: Qualifying Total Debt Ratio | 34.7 | 39.491 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304436513 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304436513 | Investor: Qualifying Total Debt Ratio | 47.41 | 39.6559 | Verified | 1008 reflects 39.786% DTI. |
| 304439335 | Investor: Qualifying Total Debt Ratio | 34.62 | 38.12031 | Verified | Hazard Insurance used by lender was $xxxx vs verified monthly cost of $xxxx. |
| 304435436 | Investor: Qualifying Total Debt Ratio | 30.81 | 36.08542 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304441727 | Investor: Qualifying Total Debt Ratio | 38.03 | 32.8932 | Verified | 1008 has the DTI at 32.89320%. |
| 304427779 | Investor: Qualifying Total Debt Ratio | 39.47 | 48.81079 | Verified | Matches approval. |
| 304443146 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304443557 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304443147 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304441509 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304422473 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304422473 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304422473 | Interest Only | 1 | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| 304443560 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304458287 | Investor: Qualifying Total Debt Ratio | 28.48 | 41.5222 | Verified | BID is not correct. The 1008 has a different amount. |
| 304454200 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304461891 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304461891 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304458229 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304458229 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304458229 | Investor: Qualifying Total Debt Ratio | 32.39 | 41.80433 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304459019 | Investor: Qualifying Total Debt Ratio | 47.05 | 41.43993 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304458292 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304440021 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304440021 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304440021 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304440021 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304440021 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304440021 | Investor: Qualifying Total Debt Ratio | 28.74 | 41.36389 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304442965 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304443250 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304443250 | Investor: Qualifying Total Debt Ratio | 13.75 | 23.98301 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 304441849 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426443 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304426443 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304426443 | Original CLTV | 60.42 | 63.21359 | Verified | Tape Value is rounded and within less than 1% of actual calculated CLTV |
| 304426443 | Original LTV | 6.97 | 9.7629 | Verified | Tape Value is rounded and within less than 1% of actual calculated LTV |
| 304426443 | Investor: Qualifying Total Debt Ratio | 35.77 | 31.91737 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 304458286 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304458286 | Original CLTV | 59.97 | 57.49822 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304461892 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304461892 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304461892 | Investor: Qualifying Total Debt Ratio | 48.4 | 42.93422 | Verified | Verified with 1008 |
| 304429123 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304429123 | Investor: Qualifying Total Debt Ratio | 17.48 | 36.87606 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304441852 | Investor: Qualifying Total Debt Ratio | 41.78 | 45.90971 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 304457957 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304459797 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304432864 | Investor: Qualifying Total Debt Ratio | 44.05 | 40.15369 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304462128 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304457951 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304459656 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304469937 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304469937 | Investor: Qualifying Total Debt Ratio | 26.78 | 42.36994 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304425168 | Investor: Qualifying Total Debt Ratio | 15.85 | 42.64463 | Verified | Matches 1008 with 42.60% DTI. |
| 304462446 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304462446 | Investor: Qualifying Total Debt Ratio | 49.66 | 46.44951 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304442351 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304442351 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442645 | Original Interest Rate | 8.63 | 8.625 | Verified | Field Value reflects the Note value |
| 304442645 | Representative FICO | 772 | 775 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304442645 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442645 | Investor: Qualifying Total Debt Ratio | 25.46 | 41.26857 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304471078 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304471078 | Investor: Qualifying Total Debt Ratio | 32.2 | 45.37556 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304459022 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304459022 | Investor: Qualifying Total Debt Ratio | 37.32 | 42.73642 | Verified | 1008 reflect total DTI of 42.737% |
| 304433059 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304433059 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304433059 | Investor: Qualifying Total Debt Ratio | 15.3 | 47.66805 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304462114 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304462114 | Investor: Qualifying Total Debt Ratio | 35.4 | 30.64938 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304429180 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304429180 | Investor: Qualifying Total Debt Ratio | 47.25 | 42.94803 | Verified | Uw calculated tax amount as $xxxx instead of $xxxx |
| 304467595 | State | xxxx | xxxx | Verified | Field Value reflects State per Note |
| 304460964 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304460964 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304443137 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304443110 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304443110 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304438505 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| 304442651 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304442651 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304442651 | Original CLTV | 64.68 | 65.94684 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304442651 | Original LTV | 8.27 | 9.6 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304459796 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 304459796 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304467165 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304467165 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304470333 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304458712 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304467137 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304467137 | Investor: Qualifying Total Debt Ratio | 5.2 | 27.428 | Verified | Verified |
| 304471085 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 304471085 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304454194 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304454194 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304454194 | Original CLTV | 49.58 | 46.35061 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304470288 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304462269 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304470217 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304470217 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304470217 | Investor: Qualifying Total Debt Ratio | 41.22 | 44.44258 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304442643 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304442643 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304442643 | Investor: Qualifying Total Debt Ratio | 29.88 | 41.33433 | Verified | Matches 1008 total DTI of 41.336% |
| 304471916 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304471928 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304466586 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304426492 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304426492 | Investor: Qualifying Total Debt Ratio | 49.33 | 46.1084 | Verified | Unable to verify due to missing information |
| 304459541 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304459541 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304459541 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304459541 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304472359 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304435351 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304435351 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304435351 | Original CLTV | 74.65 | 72.65664 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304461907 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304461907 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304460664 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304460664 | Investor: Qualifying Total Debt Ratio | 14.92 | 44.48436 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304442461 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304442461 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304442461 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304472044 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304462116 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304467133 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304467133 | Investor: Qualifying Total Debt Ratio | 36.22 | 42.3894 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304460961 | Original Interest Rate | 9.38 | 9.375 | Verified | Field Value reflects the Note value |
| 304470346 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304470346 | Investor: Qualifying Total Debt Ratio | 47.47 | 44.45596 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304473751 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304468374 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304475106 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304471951 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304427441 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304458314 | Investor: Qualifying Total Debt Ratio | 34.05 | 30.13352 | Verified | Lender used $xxxx from the 1st lien PITI in qualification. Taxes and insurance are included twice in DTI. |
| 304470334 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304469974 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484507 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484498 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304484435 | Investor: Qualifying Total Debt Ratio | 34.77 | 39.02544 | Verified | Review used base salary only. |
| 304484492 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304484297 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304484297 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484307 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484331 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484294 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484394 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304484394 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484366 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304484381 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484440 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484413 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484415 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484462 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304484471 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484314 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484370 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484310 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484402 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484401 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304484401 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304484483 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484468 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304484334 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304484382 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484327 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484345 | Investor: Qualifying Total Debt Ratio | 25.36 | 40.70416 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304484339 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484358 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484460 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484430 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484488 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484513 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484296 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484386 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304484346 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484404 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304484404 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484324 | Investor: Qualifying Total Debt Ratio | 48 | 41.89001 | Verified | Excluded Installment Accounts less then 10 months left to pay. |
| 304484308 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484360 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484373 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484438 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484454 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304484454 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484436 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484343 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484417 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484353 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484364 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484299 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484427 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484427 | Investor: Qualifying Total Debt Ratio | 35.31 | 40.9501 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304484506 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304484517 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304484517 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484409 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484428 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484330 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484361 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484374 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304484342 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484376 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484420 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304484433 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484323 | Representative FICO | 755 | 743 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304484380 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304484380 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484335 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304484473 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484329 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484333 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484365 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484467 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304484495 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304484495 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304484495 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484503 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304484503 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484371 | Representative FICO | 743 | 744 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304484313 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484313 | Investor: Qualifying Total Debt Ratio | 12.22 | 20.82141 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304484408 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484475 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304484306 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304484363 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484301 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304484377 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484403 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304484515 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304484514 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484406 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304462249 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304472800 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304458583 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304477557 | Investor: Qualifying Total Debt Ratio | 49.85 | 45.73019 | Verified | Lender added taxes and insurance twice. |
| 304468373 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304468373 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304468373 | Original Interest Rate | 8.63 | 8.625 | Verified | Field Value reflects the Note value |
| 304468373 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304468373 | Investor: Qualifying Total Debt Ratio | 29.05 | 47.6884 | Verified | Lender used $0.00 monthly payment on Student loans. Review used 1% of outstanding balance for minimum payment. |
| 304472698 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304472698 | Investor: Qualifying Total Debt Ratio | 48.73 | 42.41021 | Verified | Matches lenders 1008. |
| 304472671 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304470666 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304470666 | Investor: Qualifying Total Debt Ratio | 25.5 | 32.68486 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304459109 | Investor: Qualifying Total Debt Ratio | 29.97 | 23.83805 | Verified | 1008 reflects total DTI of 23.512%. |
| 304471735 | Representative FICO | 769 | 761 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304471735 | Investor: Qualifying Total Debt Ratio | 49.07 | 28.71683 | Verified | Matches 1008. |
| 304472767 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304472767 | Investor: Qualifying Total Debt Ratio | 50 | 44.41617 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304442472 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304442472 | Investor: Qualifying Total Debt Ratio | 41.84 | 45.33483 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304480866 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304477124 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304477124 | Interest Only | 1 | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| 304477124 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304477124 | Investor: Qualifying Total Debt Ratio | 39.09 | 44.16239 | Verified | Matches Total DTI on 1008 of 44.162%. |
| 304468421 | Original Interest Rate | 9.88 | 9.875 | Verified | Field Value reflects the Note value |
| 304476604 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304476604 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304481414 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304477562 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304471665 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304471665 | Investor: Qualifying Total Debt Ratio | 36.59 | 47.24138 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304481322 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304481322 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304481322 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304477646 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304472415 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304475105 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304472375 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304475190 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304475190 | Investor: Qualifying Total Debt Ratio | 40.65 | 45.29524 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304473610 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304432229 | Investor: Qualifying Total Debt Ratio | 28.14 | 24.98696 | Verified | Lender approved at 27% which is within 3 %. |
| 304462331 | Investor: Qualifying Total Debt Ratio | 49.18 | 40.80656 | Verified | Matches approval. |
| 304473750 | Investor: Qualifying Total Debt Ratio | 25.52 | 29.83781 | Verified | Lender approved at 27.5% which is within 3%. |
| 304472664 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304472664 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304472664 | Investor: Qualifying Total Debt Ratio | 24.68 | 43.80772 | Verified | 1008 reflect total DTI of 43.80% |
| 304459270 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304472799 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304481652 | Investor: Qualifying Total Debt Ratio | 43.84 | 40.57081 | Verified | 1008 reflect total DTI of 40.57% |
| 304483055 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304483055 | Original Interest Rate | 8.63 | 8.625 | Verified | Field Value reflects the Note value |
| 304483055 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304485142 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304509956 | Original Interest Rate |  | 9.625 | Verified | Field Value reflects the Note value |
| 304509956 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304509956 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304509956 | Investor: Qualifying Total Debt Ratio | 44.5 | 40.70397 | Verified | DTI mismatch due to installment account less than 10 month has been excluded |
| 304510051 | Original Interest Rate | 8.63 | 8.625 | Verified | Field Value reflects the Note value |
| 304510051 | Representative FICO | 796 | 792 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510051 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304510030 | Original Interest Rate | 10.63 | 10.625 | Verified | Field Value reflects the Note value |
| 304510030 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304510076 | Representative FICO | 686 | 684 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510217 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510171 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510188 | Original Interest Rate | 10.13 | 10.125 | Verified | Field Value reflects the Note value |
| 304510066 | Original Interest Rate | 9.38 | 9.375 | Verified | Field Value reflects the Note value |
| 304510066 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510208 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510222 | Original Interest Rate | 10.38 | 10.375 | Verified | Field Value reflects the Note value |
| 304510259 | Representative FICO | 748 | 745 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510259 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304509948 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510014 | Representative FICO | 789 | 785 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510014 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510017 | Representative FICO | 740 | 692 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304509945 | Original Interest Rate |  | 10.125 | Verified | Field Value reflects the Note value |
| 304509945 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304510042 | Investor: Qualifying Total Debt Ratio | 34.09 | 30.88624 | Verified | Tax amount is not matching as per lender calculation. |
| 304509991 | Investor: Qualifying Total Debt Ratio | 42.17 | 49.23543 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304510114 | Original Interest Rate | 10.38 | 10.375 | Verified | Field Value reflects the Note value |
| 304510114 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510146 | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304510224 | Representative FICO | 750 | 749 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510172 | Representative FICO | 784 | 773 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510172 | Original CLTV | 72.87 | 71.84842 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304510157 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304510157 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304510157 | Representative FICO | 691 | 689 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510166 | Original Interest Rate |  | 8.25 | Verified | Field Value reflects the Note value |
| 304510166 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304510166 | Representative FICO | 700 | 684 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510166 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304510203 | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304510203 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304510218 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304510218 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510016 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304510016 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510063 | Representative FICO | 749 | 742 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510063 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510080 | Original Interest Rate | 9.38 | 9.375 | Verified | Field Value reflects the Note value |
| 304510080 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510082 | Original Interest Rate | 10.38 | 10.375 | Verified | Field Value reflects the Note value |
| 304510082 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510145 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510256 | Original Interest Rate | 10.88 | 10.875 | Verified | Field Value reflects the Note value |
| 304510256 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510089 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304510089 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510091 | Representative FICO | 688 | 680 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510202 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510221 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304509976 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510019 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304510019 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304510131 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510059 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510072 | Original Interest Rate | 9.63 | 9.625 | Verified | Field Value reflects the Note value |
| 304510072 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304510083 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510123 | Original Interest Rate | 10.38 | 10.375 | Verified | Field Value reflects the Note value |
| 304510123 | Representative FICO | 697 | 680 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 304510123 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510123 | Investor: Qualifying Total Debt Ratio | 39.05 | 35.83592 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304510125 | Investor: Qualifying Total Debt Ratio | 43.16 | 48.15322 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304510272 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304510272 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304510201 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510024 | Representative FICO | 744 | 737 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510045 | Original Interest Rate | 10.38 | 10.375 | Verified | Field Value reflects the Note value |
| 304510045 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510048 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304510048 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510110 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304510110 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510153 | Representative FICO | 740 | 737 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510262 | Representative FICO | 718 | 684 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510262 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510108 | Original Interest Rate | 10.63 | 10.625 | Verified | Field Value reflects the Note value |
| 304510108 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value reflects the Approval/AUS in file. |
| 304510108 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304510115 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304510275 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304510189 | Original Interest Rate |  | 9.99 | Verified | Field Value reflects the Note value |
| 304510189 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304510189 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304509962 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 304509962 | Representative FICO | 797 | 791 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510061 | Representative FICO | 741 | 718 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510023 | Original Interest Rate | 9.38 | 9.375 | Verified | Field Value reflects the Note value |
| 304510023 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304510025 | Original Interest Rate | 9.38 | 9.375 | Verified | Field Value reflects the Note value |
| 304510025 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510156 | Representative FICO | 727 | 723 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510156 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304510096 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510178 | Investor: Qualifying Total Debt Ratio | 14.47 | 49.47952 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304510210 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304510210 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304510234 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304510257 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304510257 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510006 | Representative FICO | 792 | 736 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304509990 | Representative FICO | 749 | 745 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304509964 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304509964 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304510054 | Original Interest Rate | 9.63 | 9.625 | Verified | Field Value reflects the Note value |
| 304510054 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510250 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304510250 | Original CLTV | 69.2 | 70.8904 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304510213 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510245 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304510245 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304509973 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304509973 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304509959 | Representative FICO | 818 | 783 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510064 | Representative FICO | 751 | 696 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510129 | Investor: Qualifying Total Debt Ratio | 44.71 | 49.3024 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304510143 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304510170 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510274 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304510274 | Purpose |  | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 304510274 | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304510281 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510163 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304510163 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510238 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510040 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304510040 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304510040 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304510073 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304510127 | Representative FICO | 725 | 682 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510192 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510246 | Representative FICO | 782 | 776 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510255 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304510255 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304510270 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304510270 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510011 | Original CLTV | 74.89 | 73.29736 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304509974 | Representative FICO | 789 | 751 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304509955 | Investor: Qualifying Total Debt Ratio | 39.24 | 44.19689 | Verified | Base pay used to qualify. No history of OT income was documented |
| 304510280 | Representative FICO | 800 | 733 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510280 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510097 | Representative FICO | 723 | 710 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510097 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304510216 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510118 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304510187 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510237 | Original Interest Rate |  | 8.75 | Verified | Field Value reflects the Note value |
| 304510237 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304510237 | Representative FICO | 802 | 792 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510237 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510252 | Representative FICO | 729 | 722 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510269 | Original Interest Rate |  | 8.99 | Verified | Field Value reflects the Note value |
| 304510269 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304510269 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510041 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510000 | Representative FICO | 761 | 754 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510037 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510052 | Original Interest Rate | 9.38 | 9.375 | Verified | Field Value reflects the Note value |
| 304510052 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510092 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510141 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510119 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304510119 | Representative FICO | 752 | 732 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304510276 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304510279 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304510279 | Original CLTV | 59.14 | 14.15756 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304510279 | Investor: Qualifying Total Debt Ratio | 40.56 | 44.63157 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304510239 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304510233 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510240 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304510240 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304510240 | Investor: Qualifying Total Debt Ratio | 40.48 | 32.25784 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304485258 | Original Interest Rate | 8.63 | 8.625 | Verified | Field Value reflects the Note value |
| 304485258 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304485258 | Investor: Qualifying Total Debt Ratio | 38.84 | 44.81904 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304437714 | Original Interest Rate | 10.38 | 10.375 | Verified | Field Value reflects the Note value |
| 304437714 | Investor: Qualifying Total Debt Ratio | 49.83 | 46.4562 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304486063 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304482941 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304482941 | Original Interest Rate | 9.88 | 9.875 | Verified | Field Value reflects the Note value |
| 304482941 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304482941 | Investor: Qualifying Total Debt Ratio | 42.33 | 49.21047 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304481371 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304481371 | Interest Only | 1 | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| 304484890 | Investor: Qualifying Total Debt Ratio | 34.78 | 39.30652 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304489925 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304489925 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304483438 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304481557 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304481557 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304492005 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304481459 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304484888 | Investor: Qualifying Total Debt Ratio | 42.08 | 48.54911 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 304490470 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304489722 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304472309 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304472309 | Property Type | PUD | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304472309 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304472309 | Investor: Qualifying Total Debt Ratio | 33.25 | 40.07371 | Verified | Review DTI is in line with 1008 at 40.07% |
| 304632017 | Original Interest Rate | 10.63 | 10.625 | Verified | Field Value reflects the Note value |
| 304632017 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304632017 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304632017 | Investor: Qualifying Total Debt Ratio | 45.12 | 40.13389 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304481254 | Investor: Qualifying Total Debt Ratio | 40.51 | 47.50882 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 304480892 | Original Interest Rate | 9.88 | 9.875 | Verified | Field Value reflects the Note value |
| 304480892 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304492600 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304486946 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304486946 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304486946 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304486946 | Investor: Qualifying Total Debt Ratio | 37.81 | 48.54744 | Verified | Matches 1008 |
| 304496665 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304481574 | Investor: Qualifying Total Debt Ratio | 33.49 | 46.7981 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304635152 | Representative FICO | 768 | 733 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635152 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635085 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635093 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635256 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304635256 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304635258 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635296 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304635300 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635265 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635270 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635434 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635441 | Representative FICO | 708 | 688 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635441 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635441 | Investor: Qualifying Total Debt Ratio | 40.85 | 37.79129 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304635239 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304635301 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635087 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635169 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635086 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635099 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635099 | Investor: Qualifying Total Debt Ratio | 30.53 | 45.5074 | Verified | Excluded bonus income, less than 2 year verified receipt. |
| 304635306 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635317 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635408 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635440 | Representative FICO | 804 | 803 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635448 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304635448 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304635448 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635242 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635291 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304635305 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304635092 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635102 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304635102 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304635102 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635130 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635104 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635175 | Representative FICO | 745 | 742 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635175 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635315 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304635315 | Original CLTV | 74.32 | 75.6061 | Verified | Difference in CLTV due to considered high value from AVM |
| 304635346 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635377 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635377 | Investor: Qualifying Total Debt Ratio | 38.09 | 33.20189 | Verified | xxxx installment tradeline excluded because of less than 10 months. |
| 304635201 | Representative FICO | 747 | 746 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635201 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635160 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304635287 | Representative FICO | 779 | 757 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635287 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635352 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635353 | Representative FICO | 730 | 719 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635353 | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304635353 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635292 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635429 | Property Type | PUD | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304635105 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635095 | Representative FICO | 747 | 739 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635095 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635144 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635124 | Representative FICO | 729 | 718 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635124 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635206 | Representative FICO | 747 | 730 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635206 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635080 | Representative FICO | 712 | 705 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635080 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635235 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635212 | Representative FICO | 744 | 738 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 304635212 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304635217 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304635330 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304635330 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635362 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304635362 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304635362 | Representative FICO | 789 | 746 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635362 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635369 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304635097 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635215 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635297 | Representative FICO | 777 | 740 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635297 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304635286 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304635326 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635329 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304635329 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304635329 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635364 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304635447 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635378 | Representative FICO | 793 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635378 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635383 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304635383 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304635383 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304635387 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304635137 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635184 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635126 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635112 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635307 | Representative FICO | 766 | 710 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635376 | Representative FICO | 799 | 756 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635316 | Representative FICO | 770 | 766 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635316 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304635138 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635101 | Representative FICO | 812 | 808 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635159 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635173 | Representative FICO | 731 | 717 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635223 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304635334 | Representative FICO | 774 | 767 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635129 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635150 | Representative FICO | 741 | 703 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635147 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635191 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304635205 | Representative FICO | 705 | 682 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635208 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635295 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635325 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635337 | Representative FICO | 806 | 725 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635162 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304635279 | Representative FICO | 738 | 731 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635279 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635289 | Representative FICO | 774 | 738 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635166 | Representative FICO | 761 | 748 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635123 | Representative FICO | 791 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635226 | Investor: Qualifying Total Debt Ratio | 27.16 | 31.63334 | Verified | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |
| 304635271 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304635271 | Investor: Qualifying Total Debt Ratio | 38.05 | 44.81884 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304635274 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635280 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635299 | Representative FICO | 722 | 701 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635397 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304635397 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635219 | Representative FICO | 808 | 773 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635379 | Representative FICO | 742 | 707 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635451 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304635451 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304635453 | Representative FICO | 752 | 718 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304635433 | Original CLTV | 56.546 | 57.60932 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304495165 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304494955 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304494955 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304494955 | Investor: Qualifying Total Debt Ratio | 41.22 | 44.35836 | Verified | Lender did not include the monthly debt of $xxxx xxxx. |
| 304477222 | Investor: Qualifying Total Debt Ratio | 23.85 | 46.46608 | Verified | 1008 approval reflects 46.47% DTI |
| 304486073 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304490210 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304492602 | Investor: Qualifying Total Debt Ratio | 39.99 | 46.73521 | Verified | 1008 reflect total DTI of 46.73% |
| 304497386 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304497386 | Interest Only | 1 | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| 304510984 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304510984 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638701 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638701 | Investor: Qualifying Total Debt Ratio | 44.89 | 30.09 | Verified | Utility payment not considered while calculating DTI |
| 304638855 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638898 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638902 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304638902 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638844 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638724 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304638679 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304638679 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304638811 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638816 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304638816 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638946 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304638770 | Representative FICO | 769 | 753 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304638770 | Investor: Qualifying Total Debt Ratio | 29.74 | 25.10262 | Verified | Matches approval. |
| 304638716 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304638697 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304638790 | Original Interest Rate | 10.63 | 10.625 | Verified | Field Value reflects the Note value |
| 304638790 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638790 | Investor: Qualifying Total Debt Ratio | 31.82 | 43.79003 | Verified | Excluded bonus, less than 2 years verified. |
| 304638853 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304638875 | Investor: Qualifying Total Debt Ratio | 35.66 | 41.31805 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304638819 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638819 | Investor: Qualifying Total Debt Ratio | 25.27 | 30.77756 | Verified | Using only base for borrowers employment. Lender used a higher amount, unable to verify. |
| 304638947 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638722 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304638722 | Representative FICO | 783 | 774 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304638722 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638743 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638668 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304638872 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638912 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304638912 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304638818 | Representative FICO | 741 | 693 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304638942 | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304638953 | Representative FICO | 788 | 767 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304638953 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638908 | Investor: Qualifying Total Debt Ratio | 45.36 | 49.52001 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304638932 | Investor: Qualifying Total Debt Ratio | 26.36 | 30.51977 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| 304638823 | Representative FICO | 751 | 742 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304638838 | Representative FICO | 734 | 724 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304638838 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304638922 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638727 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638674 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638676 | Original Interest Rate | 8.88 | 8.875 | Verified | Field Value reflects the Note value |
| 304638676 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304638871 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638866 | Original CLTV | 79.95 | 78.80582 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304638708 | Representative FICO | 755 | 752 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304638903 | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304638815 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638859 | Original Interest Rate | 9.38 | 9.375 | Verified | Field Value reflects the Note value |
| 304638864 | Original Interest Rate | 8.63 | 8.625 | Verified | Field Value reflects the Note value |
| 304638864 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638950 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304638950 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638899 | Representative FICO | 771 | 736 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304638776 | Representative FICO | 766 | 755 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304638860 | Investor: Qualifying Total Debt Ratio | 31.45 | 37.5223 | Verified | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |
| 304638836 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304638843 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304638843 | Representative FICO | 774 | 723 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304638831 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304475042 | Representative FICO | 739 | 757 | Verified | Unable to verify due to missing information |
| 304490473 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304498283 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304552724 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304552724 | Original CLTV | 49.39 | 30.92975 | Verified | Tape Value is rounded and within less than 1% of actual calculated CLTV |
| 304492876 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304492876 | Investor: Qualifying Total Debt Ratio | 43.46 | 38.85092 | Verified | Matches approval. |
| 304492927 | Appraised Value | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304492927 | Investor: Qualifying Total Debt Ratio | 32.23 | 49.69242 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304511698 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304634464 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304634464 | Investor: Qualifying Total Debt Ratio | 49.99 | 45.84306 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304498254 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304532361 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304493815 | Investor: Qualifying Total Debt Ratio | 36.75 | 31.79165 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304510770 | Investor: Qualifying Total Debt Ratio | 17.09 | 44.33065 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304498296 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304572269 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304572269 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304495181 | Original Interest Rate | 8.875 | 9.375 | Verified | Field Value reflects the Note value |
| 304495181 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304494145 | Representative FICO | 734 | 736 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304494145 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304637693 | Investor: Qualifying Total Debt Ratio | 26.77 | 41.70499 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304572074 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304494138 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 304494138 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304494138 | Investor: Qualifying Total Debt Ratio | 40.59 | 43.63037 | Verified | Lender approved at 44% which is within 3%. |
| 304497417 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects Interest Rate per the Note rider |
| 304497417 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304496682 | Investor: Qualifying Total Debt Ratio | 35.07 | 27.33895 | Verified | Matches 1008. |
| 304632851 | Investor: Qualifying Total Debt Ratio | 4.53 | 29.89559 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304484902 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| 304493958 | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 304493958 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304495145 | Investor: Qualifying Total Debt Ratio | 9.46 | 23.13492 | Verified | Matches 1008. |
| 304632692 | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304635469 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304635072 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304485260 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304495180 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304632484 | Investor: Qualifying Total Debt Ratio | 47.44 | 43.0358 | Verified | Review DTI in line with 1008 approval at 41.81% |
| 304494277 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304494277 | Investor: Qualifying Total Debt Ratio | 46.09 | 49.31179 | Verified | 1008 reflect total DTI of 49.32% |
| 304639995 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304639995 | Investor: Qualifying Total Debt Ratio | 27.8 | 45.5877 | Verified | Difference as the other insurance on the 1008 list $xxxx and the system shows $xxxx |
| 304498338 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304635837 | Investor: Qualifying Total Debt Ratio | 29.59 | 43.12779 | Verified | matches approval. |
| 304497340 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304634542 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304638515 | Investor: Qualifying Total Debt Ratio | 46.74 | 37.90089 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| 304498515 | Original Interest Rate | 10.63 | 10.625 | Verified | Field Value reflects the Note value |
| 304640011 | Investor: Qualifying Total Debt Ratio | 45.13 | 39.01808 | Verified | 1008 reflect 39.46% DTI |
| 304643217 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304640010 | Investor: Qualifying Total Debt Ratio | 40.4 | 25.31422 | Verified | Lender used P&I on the first as $xxxx, actual amount is $xxxx. |
| 304635470 | Property Type | 2 Family | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304642403 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304642551 | Representative FICO | 714 | 705 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304639739 | Investor: Qualifying Total Debt Ratio | 26.21 | 37.3691 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304636832 | Investor: Qualifying Total Debt Ratio | 32.35 | 37.34849 | Verified | 1008 reflect total DTI of 37.34% |
| 304637675 | Original Interest Rate | 9.63 | 9.625 | Verified | Field Value reflects the Note value |
| 304641654 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304641654 | Investor: Qualifying Total Debt Ratio | 43.52 | 39.77911 | Verified | All Income and Liabilities are updated per document |
| 304639785 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |

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## Exhibit 99.3

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 304255845 | 30417118 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Texas Cash Outs are ineligible per client purchase criteria | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 18.02570% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 04/25/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304255845 | 30417122 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304255845 | 30417123 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | Texas Constitution Section 50(a)(6): TX 50(a)(6) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under TX 50(a)(1)-(5) or (8). Unable to determine purpose of additional debt secured by the homestead. |  |  |  |  | xxxx | 04/26/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304315214 | 30501088 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Texas Home Equity Cash Out are not eligible per client purchase criteria | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 38.50901% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 05/09/2024 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304315214 | 30501123 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304315214 | 30501129 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 05/10/2024 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304315214 | 30532882 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | TX | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304331425 | 30806097 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 07/09/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304331425 | 30806430 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304331425 | 30806453 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR Inaccurate – Regular Transaction Timing Without Waiver | TILA-RESPA Integrated Disclosure - Loan Calculations - APR disclosed on final CD xx/xx/xxxx is inaccurate (off by more than 0.125%) compared to actual APR at consummation. Closing Disclosure not provided to Borrower at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 06/26/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304303325 | 30670758 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. |  |  |  |  | xxxx | 06/07/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304303325 | 30670759 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304303325 | 30670760 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. |  |  |  |  | xxxx | 08/28/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304303325 | 30670767 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 06/07/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304303325 | 30672421 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 07/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304303325 | 30672422 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 07/03/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304303325 | 30715863 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | Unable to test fair market acknowledgment due to missing information. | xxxx |  |  |  | xxxx | 07/03/2024 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304303325 | 30715864 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  |  | xxxx | 07/03/2024 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304303325 | 31564916 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | xxxx | 09/19/2024 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304357166 | 31040000 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 10/08/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304337483 | 31072812 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 08/19/2024 |  |  | 1 B A C |  | OR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304337483 | 31072813 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 07/27/2024 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304337483 | 31220193 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 09/26/2024 |  | 2 B |  | OR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304337483 | 31220194 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 09/26/2024 |  | 2 B |  | OR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304337483 | 31220195 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xx/xx/xxxx). The disclosed Total of Payments in the amount of $64,595.97 is under disclosed by $169.98 compared to the calculated total of payments of $64,765.95 which exceeds the $35.00 threshold. | xxxx |  |  |  | xxxx |  | 09/26/2024 |  | 2 B |  | OR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304337483 | 31421543 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | OR | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304356297 | 31123496 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Borrower has been in the same industry for 6 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/29/2024 | 2 C B |  | WA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304356297 | 31123514 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. |  |  |  |  | xxxx | 09/10/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304336506 | 31173394 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 10/07/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304356135 | 31208956 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | xxxx |  |  |  | xxxx | 09/20/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304356252 | 31211019 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Unable to test RTC expiration date due to missing information. | xxxx |  |  |  | xxxx |  | 10/02/2024 |  | 2 C B |  | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304356252 | 31211138 |  | Compliance | Missing Document | General | Missing Document | Incomplete Document: Right to Cancel (RTC) is incomplete |  | xxxx |  |  |  | xxxx | 10/03/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304356252 | 31211149 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304359167 | 31223179 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing paystubs. |  |  |  | xxxx | 09/23/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304359167 | 31223199 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 09/15/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304359815 | 31256233 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 08/23/2024 |  |  | 1 B A C |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304359815 | 31357019 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 09/25/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304359815 | 31472494 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304359175 | 31255790 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 09/04/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304359175 | 31355078 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 09/04/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304359175 | 31355116 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has been with current employer for 5 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/08/2024 | 2 C B |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304367976 | 31346027 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 09/23/2024 |  |  | 1 B A C |  | IN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304367976 | 31708236 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | IN | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304375826 | 31395184 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | xxxx |  |  |  | xxxx | 10/01/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304375826 | 31395192 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 09/06/2024 |  |  | 1 B A C |  | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304375826 | 31599129 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | MO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304379483 | 31436806 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304368743 | 31450572 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 09/24/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304368582 | 31450796 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304368582 | 31450798 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 09/09/2024 |  |  | 1 B A C |  | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304368582 | 31610477 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304367978 | 31464120 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304367978 | 31464141 |  | Compliance | Compliance | Miscellaneous Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | (Doc Error) RTC Error: Right to Cancel expiration date is blank. |  | xxxx |  |  |  | xxxx |  | 09/24/2024 |  | 2 C B |  | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304367978 | 31464185 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Unable to test RTC expiration date due to missing information. | xxxx |  |  |  | xxxx |  | 10/03/2024 |  | 2 C B |  | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304378619 | 31465652 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. |  |  |  |  | xxxx | 09/23/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304378619 | 31465665 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 09/23/2024 |  |  | 1 B A C |  | WI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 304378619 | 31552519 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 09/18/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304378619 | 31552528 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 09/18/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304378619 | 31708134 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | WI | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304384706 | 31498610 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 09/04/2024 |  |  | 1 B A C |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304384706 | 31581634 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304384833 | 31502742 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304365451 | 31577005 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 09/04/2024 | 2 B |  | IN | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304379709 | 31504132 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 09/05/2024 |  |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304379709 | 31504136 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | xxxx | 09/05/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304376281 | 31514541 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 09/17/2024 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304369675 | 31507143 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | xxxx | 10/07/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304369675 | 31507562 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304369675 | 31507563 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304380789 | 31554697 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 09/06/2024 |  |  | 1 A |  | CO | Investment | Refinance - Cash-out - Other | C A |  |  | N/A | N/A | No |
| 304380789 | 31554777 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | xxxx | 09/06/2024 |  |  | 1 C A |  | CO | Investment | Refinance - Cash-out - Other | C A |  |  | N/A | N/A | No |
| 304386553 | 31561089 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 09/06/2024 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304386553 | 31606203 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304381637 | 31590958 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | xxxx |  |  |  | xxxx | 09/20/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304381637 | 31591040 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  |  |  |  |  | xxxx | 09/20/2024 |  |  | 1 B A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304378898 | 31637469 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 09/17/2024 |  |  | 1 B A C |  | NM | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304378898 | 31637552 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NM | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304378898 | 31637645 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 09/25/2024 |  |  | 1 C A |  | NM | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304378898 | 31669730 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | NM | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304373266 | 31646489 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx |  | 10/23/2024 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304373266 | 31646490 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx |  |  |  | xxxx |  | 10/23/2024 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304373266 | 31970720 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/25/2024 | 2 B |  | NC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304381883 | 31654221 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 09/20/2024 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 304381883 | 31654222 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |  |  |  | xxxx | 09/20/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304381883 | 31700868 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | AZ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304396426 | 31673578 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | xxxx |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304396426 | 31675446 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 47.88977% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 09/18/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304396426 | 31675460 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 09/18/2024 |  |  | 1 B A C |  | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304396426 | 31675518 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 09/18/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304396426 | 31675562 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 09/18/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304382056 | 31680071 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 10/10/2024 |  |  | 1 B A C |  | OR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304382056 | 31680072 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 10/01/2024 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304382056 | 31878090 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | OR | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304390614 | 31684340 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 09/25/2024 |  |  | 1 C A |  | MA | Investment | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304390789 | 31680865 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304388643 | 31683112 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 09/23/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304382181 | 31693343 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | xxxx |  |  |  | xxxx | 09/24/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304382181 | 31693446 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing evidence of income for the co-borrower for 2022 and 2023. |  |  |  | xxxx | 10/15/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304365659 | 31719009 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | xxxx |  |  |  | xxxx | 09/27/2024 |  |  | 1 D A |  | MA | Primary | Purchase | D A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304365659 | 31720714 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | xxxx |  |  |  | xxxx | 09/27/2024 |  |  | 1 C A |  | MA | Primary | Purchase | D A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304365659 | 31720741 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | xxxx |  |  |  | xxxx | 10/02/2024 |  |  | 1 C A |  | MA | Primary | Purchase | D A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304385082 | 31718701 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304385082 | 31718703 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 09/27/2024 |  |  | 1 B A C |  | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 304385082 | 31718704 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. |  |  |  |  | xxxx | 09/27/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304385082 | 31766734 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | CO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304383207 | 31734575 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 11/19/2024 |  | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304388656 | 31737997 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 10/04/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304384831 | 31738824 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 10/01/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400583 | 31966242 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 10/29/2024 |  | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304400583 | 31966291 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400583 | 31966292 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 10/31/2024 |  |  | 1 B A |  | NJ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400583 | 31966293 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400583 | 31966294 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 11/01/2024 |  |  | 1 B A C |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304400583 | 31966295 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. |  |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400583 | 31968565 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400343 | 31886809 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/15/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400114 | 31779497 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 10/08/2024 |  | 2 C B |  | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304400242 | 31791100 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 10/09/2024 |  | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304400190 | 31802061 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 10/09/2024 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304400211 | 31779343 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400211 | 31779401 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 11/01/2024 |  |  | 1 B A C |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304400211 | 31779402 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 50.09385% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400211 | 31779403 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 11/01/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400279 | 31817430 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 11/08/2024 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304400279 | 31837475 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 10/08/2024 |  | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304400279 | 32075688 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | AZ | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400317 | 31784926 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx |  |  |  | xxxx | 10/22/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400549 | 31745626 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 10/17/2024 |  | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304400549 | 31932473 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/23/2024 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304400345 | 31745869 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400032 | 31808816 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | 743 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/07/2024 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400032 | 31808859 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 10/14/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400596 | 31826438 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 10/08/2024 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304400278 | 31812843 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 10/11/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400133 | 31813913 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 10/29/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304400133 | 31813914 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx |  |  |  | xxxx | 10/29/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304400103 | 31827264 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/12/2024 | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304400104 | 31813761 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400524 | 31825037 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 10/15/2024 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304400524 | 31825038 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 50.70829% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 10/15/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400524 | 31825039 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 10/29/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304400524 | 31825040 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx |  |  |  | xxxx | 10/29/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304400524 | 31825052 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/15/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400524 | 31825064 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 10/15/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400581 | 31814093 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 11/08/2024 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304388196 | 31761393 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 11/05/2024 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304388196 | 32060958 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/07/2024 | 2 B |  | NC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304390611 | 31766371 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 11/13/2024 |  | 2 C B |  | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304385403 | 31744637 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 10/04/2024 |  |  | 1 B A C |  | MI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 304385403 | 31744638 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |  |  |  | xxxx | 10/04/2024 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304385403 | 31744639 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | xxxx |  |  |  | xxxx |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304385403 | 31817435 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | MI | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304384300 | 31743963 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 09/29/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304390407 | 31761696 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 10/29/2024 |  | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304385445 | 31763665 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304385445 | 31763666 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not signed by lender at or before closing. | xxxx |  |  |  | xxxx | 01/10/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304385445 | 31763667 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. | xxxx |  |  |  | xxxx | 10/01/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304385445 | 31763668 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304392189 | 31790993 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 B A C |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304392189 | 31800644 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304382296 | 31808431 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00. | 35.6782% DTI | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 12/17/2024 | 2 C B |  | NH | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304382296 | 31808528 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 10/08/2024 |  |  | 1 C A |  | NH | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304384354 | 31803932 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304370767 | 31829015 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 10/24/2024 |  |  | 1 B A C |  | OH | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304370767 | 31969169 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | OH | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304390396 | 31814035 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 10/23/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304397834 | 31845334 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304397834 | 31845335 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304393746 | 31828631 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 10/09/2024 |  |  | 1 B A C |  | NE | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304393746 | 31863946 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | NE | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304390406 | 31849958 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/17/2024 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C A |  |  | N/A | N/A | No |
| 304390406 | 31858626 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/27/2024 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C A |  |  | N/A | N/A | No |
| 304400690 | 31862600 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 10/12/2024 |  |  | 1 B A C |  | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 304400690 | 31862601 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |  |  |  | xxxx | 10/12/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304400690 | 31896572 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | NV | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304391201 | 31868289 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing property condition report which is required per guidelines. |  |  |  | xxxx | 10/15/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418233 | 31898056 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/18/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418229 | 31966064 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/29/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418299 | 31884093 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/18/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418299 | 31884127 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | MO | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418219 | 31884345 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 10/24/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418219 | 31884389 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418219 | 31884449 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years. | 777 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/24/2024 | 2 C B |  | NV | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418219 | 31884453 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 10/24/2024 |  |  | 1 B A C |  | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304418219 | 31884454 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 46.39781% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years. | 777 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/24/2024 | 2 C B |  | NV | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418219 | 31884461 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 10/24/2024 |  |  | 1 B A |  | NV | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418219 | 31884462 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 10/24/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418219 | 31884465 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 10/24/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418440 | 31885307 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/16/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418440 | 31924831 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/23/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418372 | 31966272 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/29/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418372 | 31966352 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418474 | 31885145 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418474 | 31885147 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 10/21/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304418474 | 31885148 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx |  |  |  | xxxx | 10/21/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304418474 | 31885151 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418474 | 31912207 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | Texas Constitution Section 50(a)(6): TX 50(a)(6) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under TX 50(a)(1)-(5) or (8). Unable to determine purpose of additional debt secured by the homestead. | xxxx |  |  |  | xxxx | 10/24/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304418328 | 31884585 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418377 | 31925169 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/22/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418456 | 31897329 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418456 | 31897377 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator | xxxx |  |  | 10/18/2024 | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418456 | 31904498 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/14/2024 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418454 | 31884993 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/15/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418454 | 31915861 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/22/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418224 | 31884664 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/15/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418224 | 31884686 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418259 | 31897317 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418276 | 31898306 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | NM | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304418342 | 31897928 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418360 | 31925224 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/22/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418385 | 31884452 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/21/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304418385 | 31884597 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304418385 | 31884599 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304418388 | 31967111 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/29/2024 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418245 | 31935202 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/22/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418245 | 31936531 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304418326 | 31897985 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/21/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418287 | 31873169 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 10/21/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418287 | 31873286 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 01/02/2025 |  |  | 1 B A C |  | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304418287 | 31873287 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 01/01/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418287 | 31873289 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule C | General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 01/02/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418371 | 31898035 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/21/2024 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418383 | 31888377 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/21/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418411 | 31884999 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/15/2024 |  |  | 1 C A |  | MT | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418411 | 31885006 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 11/01/2024 |  |  | 1 B A C |  | MT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304418411 | 31915864 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 10/23/2024 |  |  | 1 A |  | MT | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418411 | 32038762 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | MT | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418412 | 31885549 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/21/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418358 | 31926201 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/22/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418358 | 31928520 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 12/10/2024 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304418406 | 31885152 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/16/2024 |  |  | 1 C A |  | HI | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304418406 | 31890581 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Good employment history, credit and 71% CLTV | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/11/2024 | 2 B |  | HI | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304418406 | 31890611 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Good employment history, credit and 71% CLTV | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/01/2024 | 2 C B |  | HI | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304418300 | 31903193 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/21/2024 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418209 | 31873783 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/16/2024 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418274 | 31966527 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/29/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418305 | 31966520 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 11/02/2024 |  |  | 1 B A C |  | WI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304418305 | 31966554 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/29/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418305 | 32018741 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 11/09/2024 |  |  | 1 A |  | WI | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418305 | 32042806 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | WI | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418298 | 31918435 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/21/2024 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418298 | 31918537 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418435 | 31886641 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/21/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304418435 | 31886852 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Non QM | Non QM | No |
| 304418435 | 31886853 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Non QM | Non QM | No |
| 304418336 | 31898130 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418336 | 31898201 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/22/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418336 | 31898251 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418477 | 31898009 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304418464 | 31885445 |  | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. |  | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 33.44481% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/14/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418464 | 31885488 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx |  |  |  | xxxx | 11/06/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304418464 | 31885498 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 33.44481% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/14/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418464 | 31885499 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418367 | 31917250 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418421 | 31916213 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418444 | 31885538 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/15/2024 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418444 | 31885586 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/19/2024 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418466 | 31899063 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418466 | 31943544 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 10/25/2024 |  |  | 1 A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418226 | 31994490 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/14/2024 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418284 | 31898384 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418284 | 31898409 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/29/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418210 | 32019960 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/14/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | D A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418210 | 32019964 |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 D A |  | WA | Primary | Refinance - Cash-out - Other | D A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418210 | 32019970 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 D A |  | WA | Primary | Refinance - Cash-out - Other | D A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418266 | 31966951 |  | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. |  |  |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418266 | 31967146 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/29/2024 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418222 | 31934830 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/22/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418418 | 31899266 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/18/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418418 | 31899280 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418403 | 31899848 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/18/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418403 | 31899881 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418413 | 31900475 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418413 | 31900653 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/23/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418413 | 31900676 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418413 | 31900677 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304418413 | 31905488 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) | Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. |  |  |  |  | xxxx | 10/22/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304418413 | 31905763 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418386 | 31885590 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418386 | 31885618 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418343 | 31918685 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418419 | 31898967 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418450 | 31887276 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/17/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418323 | 31925574 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/23/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418323 | 31925581 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/22/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418349 | 31887806 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | NH | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304418349 | 31887858 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | NH | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304418452 | 31886935 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304418271 | 31966835 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418271 | 31968917 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418254 | 31887527 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/17/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418240 | 31886705 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/17/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418208 | 31967174 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418337 | 31925875 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/22/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418339 | 31967903 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418339 | 31967945 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  |  |  |  | xxxx | 11/04/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418389 | 31887560 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/17/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418391 | 31899803 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418391 | 31899807 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing. Sec ID: 4 |  | xxxx |  |  |  | xxxx | 12/14/2024 |  |  | 1 D A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418356 | 31899100 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418366 | 31926152 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/22/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418409 | 31886937 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418272 | 31888257 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418325 | 31887059 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/16/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418235 | 31966861 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418304 | 31899756 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/24/2024 | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418304 | 31899769 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418246 | 31887315 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418246 | 31887404 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418246 | 31887405 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 B A |  | KY | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418246 | 31887406 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418246 | 31887410 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 B A C |  | KY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304418246 | 31887411 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 47.27380% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | 742 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/12/2024 | 2 C B |  | KY | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418246 | 31887412 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 12/10/2024 |  | 2 C B |  | KY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304418246 | 31887421 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | 742 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/12/2024 | 2 C B |  | KY | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418246 | 31887439 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418414 | 31888151 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/16/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418416 | 31887036 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304418407 | 31900060 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418482 | 31888502 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/18/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418482 | 31888564 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418239 | 31934521 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/22/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418301 | 31888067 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/15/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418301 | 31888087 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418301 | 31915865 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/23/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418332 | 31966776 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304418332 | 31966814 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Non QM | Non QM | Yes |
| 304418453 | 31887825 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/21/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304418434 | 31888733 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/21/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418292 | 31888957 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/16/2024 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418345 | 31888893 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/16/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418334 | 31890641 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/21/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418320 | 31925426 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/22/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418324 | 31932594 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/22/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418324 | 31932635 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418324 | 31932637 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418296 | 31906427 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/18/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418296 | 31906430 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: AVM report date not provided. |  |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418296 | 31906623 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418295 | 31917758 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/22/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304418295 | 31918170 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Non QM | Non QM | No |
| 304418295 | 31918171 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Non QM | Non QM | No |
| 304418333 | 31906391 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304418333 | 31906394 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/22/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304418364 | 31967570 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418479 | 31888993 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/22/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418357 | 31907181 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418357 | 31907182 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418357 | 31907184 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304418357 | 31907189 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418357 | 31943576 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 10/28/2024 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418449 | 31907197 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304418449 | 31943577 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 10/28/2024 |  |  | 1 A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304418468 | 31968828 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418306 | 31891274 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418306 | 31891278 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/18/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418348 | 31907152 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418207 | 31967761 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418255 | 31948943 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304418374 | 31967165 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418374 | 31967211 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 11/01/2024 |  |  | 1 B A C |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304418374 | 31967219 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/30/2024 | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418374 | 32042382 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | GA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418380 | 31967144 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304418353 | 31906959 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418355 | 31908599 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | HI | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418355 | 31908604 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | HI | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418473 | 31892289 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418429 | 31898008 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304418429 | 31898013 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/20/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304418429 | 31898053 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304385093 | 31877322 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 10/11/2024 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304390465 | 31876248 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 10/11/2024 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Non QM | Yes |
| 304390465 | 31876249 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |  |  |  | xxxx | 10/11/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304390465 | 31876253 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/24/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304390465 | 31883833 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304390465 | 31890112 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304387441 | 31877132 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 12/13/2024 |  |  | 1 B A C |  | MO | Primary | Purchase | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Non QM | Yes |
| 304387441 | 31877133 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |  |  |  | xxxx | 12/13/2024 |  |  | 1 C A |  | MO | Primary | Purchase | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304387441 | 31877592 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 10/11/2024 |  |  | 1 C A |  | MO | Primary | Purchase | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304387441 | 31883838 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | MO | Primary | Purchase | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304387441 | 32374665 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | MO | Primary | Purchase | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304398246 | 31876329 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 10/14/2024 |  |  | 1 B A C |  | ID | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304398246 | 31876330 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 10/14/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304398246 | 31903507 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | ID | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304392253 | 31889033 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/16/2024 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304398840 | 31910461 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 304398840 | 31910462 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304398840 | 31910501 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304398840 | 32093919 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304401036 | 31918099 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304401036 | 31924599 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304401105 | 31924755 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304397164 | 31926300 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304397164 | 31926301 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | Texas Constitution Section 50(a)(6): TX 50(a)(6) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under TX 50(a)(1)-(5) or (8). Unable to determine purpose of additional debt secured by the homestead. | xxxx |  |  |  | xxxx | 10/23/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304400610 | 31938667 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400610 | 31938668 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304401037 | 31935466 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304416201 | 31935764 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/25/2024 | 2 C B |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304385443 | 31936342 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 10/24/2024 |  |  | 1 B A C |  | KS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304385443 | 31936359 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | KS | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304385443 | 31971404 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | KS | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304396736 | 31948974 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/24/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304396736 | 31948979 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304393745 | 31949040 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304393745 | 31949043 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 10/25/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304393745 | 31950583 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304393745 | 31950635 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 50.52026% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304393745 | 31950636 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304393745 | 31950651 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 B A C |  | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304393092 | 31949327 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 B A C |  | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304393092 | 31952840 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 11/04/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304393092 | 31952843 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304393092 | 32050672 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Assets | General QM: Unable to verify assets using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 11/18/2024 |  |  | 1 A |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304393092 | 32325722 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304385095 | 31958999 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Non QM | Yes |
| 304385095 | 31959000 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. |  |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304385095 | 31959108 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 10/24/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304385095 | 32021057 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | TX | Primary | Purchase | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304385080 | 31958023 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 10/23/2024 |  |  | 1 B A C |  | MA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304385080 | 31958024 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304385080 | 31962761 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | MA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304401312 | 31956615 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 10/25/2024 |  |  | 1 C A |  | NH | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425951 | 31994516 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426001 | 31994816 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426002 | 31994500 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/14/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425976 | 31994647 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/14/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426081 | 31994901 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426084 | 31974482 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426186 | 31974745 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/31/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426186 | 31974754 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426186 | 31974776 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/06/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426186 | 31974788 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 11/06/2024 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304426186 | 31974789 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 47.66109% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/06/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426186 | 31974790 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 11/06/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425981 | 31994670 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426034 | 31995803 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426034 | 31995908 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426034 | 31995909 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426034 | 32015740 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426038 | 31994786 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426038 | 31994811 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426040 | 31995097 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426054 | 31994793 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426054 | 31994876 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426054 | 31994877 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426054 | 32023544 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx |  |  |  | xxxx | 11/09/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426107 | 31984750 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426028 | 31995545 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426028 | 31995578 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/04/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426030 | 31995325 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426139 | 31974680 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426139 | 31974702 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/31/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425939 | 31995845 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425999 | 31995320 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425947 | 31995085 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426047 | 31994942 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426055 | 31984725 |  | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. |  |  |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426055 | 31984745 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426055 | 31984746 |  | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426048 | 31986005 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/20/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426048 | 31986006 |  | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided |  | xxxx |  |  |  | xxxx | 11/02/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426071 | 31986299 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425978 | 31995196 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426013 | 31994979 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/04/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426013 | 31994989 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426152 | 31975067 |  | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided |  | xxxx |  |  |  | xxxx | 11/02/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304426152 | 31975088 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304426152 | 31975099 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304426143 | 31974835 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | HI | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426143 | 31974844 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | HI | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426156 | 31975219 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304426156 | 31978826 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has worked in the same position for more than 10 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/25/2024 | 2 B |  | NE | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304425938 | 31995513 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425972 | 31995092 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425972 | 31995127 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425972 | 31995128 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 B A |  | NV | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425972 | 31995129 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425972 | 31995131 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 B A C |  | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304425972 | 31995132 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 49.60682% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has lived in subject for 5 years. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 11/12/2024 | 2 C B |  | NV | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425972 | 31995133 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has lived in subject for 5 years. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 11/12/2024 | 2 C B |  | NV | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425972 | 31995134 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425972 | 32023822 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425975 | 31995973 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426053 | 31996128 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/14/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426060 | 31986129 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | DE | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426041 | 31995069 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/14/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426147 | 31975180 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426062 | 31985215 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426062 | 31985221 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426069 | 31985235 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/14/2024 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426072 | 31985018 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/14/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304426072 | 31985115 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304426086 | 31986047 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425937 | 31995232 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425949 | 31995081 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426043 | 31985033 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426043 | 31986329 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/28/2024 | 2 B |  | WI | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426022 | 31997334 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426104 | 31985311 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/05/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426104 | 31985585 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426185 | 31975717 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426185 | 31975781 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426185 | 31975782 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426185 | 31975783 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425956 | 31996492 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425956 | 31996671 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | 727 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/12/2024 | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425956 | 31996718 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425956 | 31996719 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 B A |  | GA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425956 | 31996720 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425956 | 31996723 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 49.73280% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | 727 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/12/2024 | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425956 | 31996995 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 B A C |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304425956 | 31997005 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426170 | 31974824 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426004 | 31999390 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425962 | 31997281 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426023 | 31996235 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | WV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426046 | 31985007 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425986 | 31997329 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/14/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425986 | 31997398 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 12/10/2024 |  | 2 C B |  | IL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304425986 | 31997424 |  | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426155 | 31975190 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426155 | 31975222 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426155 | 31975223 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426155 | 31988984 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425963 | 32018917 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426125 | 32018953 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304426125 | 32018985 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 12/10/2024 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Non QM | Non QM | Yes |
| 304426128 | 31975360 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426153 | 31975446 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/05/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426153 | 31975498 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426153 | 31980001 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426180 | 31975484 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425971 | 32020355 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425991 | 32021214 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425991 | 32021294 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426049 | 31985191 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426061 | 31985073 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | WY | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426087 | 31975627 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426087 | 31975653 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/31/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426014 | 32019029 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426014 | 32019041 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 11/07/2024 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Non QM | Non QM | Yes |
| 304426014 | 32019042 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426014 | 32019043 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 11/07/2024 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426014 | 32023957 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing 3rd party verification of self employment for the Schedule C business. |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426138 | 31975793 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426138 | 31975811 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/31/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426032 | 32019065 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426035 | 32010401 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426059 | 31986353 |  | Compliance | Compliance | State Compliance | Misc. State Level | Utah Home Loan (Document Signed Contains Blanks) | Utah Home Loan: Mortgage loan contains signed documents with blanks which could be filled in after consummation. |  |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426059 | 31986361 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425948 | 32019520 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425948 | 32020541 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425948 | 32024056 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426064 | 31985513 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426067 | 31986214 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426163 | 32021039 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426163 | 32023529 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 12/02/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426163 | 32023530 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 12/02/2024 |  |  | 1 B A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426163 | 32023531 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 12/02/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426163 | 32023532 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  | xxxx | 12/02/2024 |  |  | 1 B A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426120 | 31976397 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426120 | 31976478 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426120 | 31976479 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426120 | 31981490 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 11/05/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425979 | 32020814 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426044 | 32019494 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426044 | 32019509 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 11/29/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426044 | 32019510 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |  |  |  | xxxx | 11/29/2024 |  |  | 1 B A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426044 | 32019511 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 11/29/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426044 | 32328401 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 12/16/2024 |  |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304426188 | 31976580 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426110 | 31986335 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426052 | 31986350 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426099 | 31985458 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426106 | 31977132 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425946 | 32020573 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/09/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425946 | 32077080 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 11/30/2024 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425996 | 32019266 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425996 | 32021560 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | ID | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426018 | 32020556 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/08/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426101 | 31985521 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426101 | 32069992 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425944 | 32019735 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425944 | 32020352 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425944 | 32020353 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426135 | 31977644 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304425935 | 32019599 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425980 | 32019656 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426070 | 31985296 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426070 | 31985506 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 11/02/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304426070 | 31985507 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx |  |  |  | xxxx | 11/02/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304426070 | 31986673 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426073 | 32020758 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426075 | 31986783 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426164 | 31977122 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426094 | 31985329 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304426094 | 31985340 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 11/04/2024 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304405166 | 31977837 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304405166 | 31977838 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx |  |  |  | xxxx | 10/29/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304405166 | 31977841 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. | xxxx |  |  |  | xxxx | 10/29/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304405166 | 31980225 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. | xxxx |  |  |  | xxxx | 10/29/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304396707 | 31979905 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/22/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304387782 | 31978368 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304387782 | 31978369 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Unable to test RTC expiration date due to missing information. | xxxx |  |  |  | xxxx |  | 12/17/2024 |  | 2 C B |  | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304387782 | 31978609 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304387782 | 31981704 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304419532 | 31977519 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304400721 | 31978645 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 304400721 | 31978646 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304400721 | 32094230 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304398644 | 31981846 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304398644 | 31981847 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 55.93122% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304398644 | 31981862 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304398644 | 31981918 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304369431 | 31979441 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304388642 | 31987878 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 10/30/2024 |  |  | 1 B A C |  | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304388642 | 32024540 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | IL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304416341 | 31999262 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/31/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304419017 | 31998469 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 10/31/2024 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C A B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304419017 | 31998478 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 10/31/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304420151 | 31998651 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 11/05/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428389 | 32043341 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428431 | 32037073 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428543 | 32043714 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428551 | 32037017 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428577 | 32036791 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428640 | 32037069 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428640 | 32037133 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 11/19/2024 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428482 | 32043334 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428681 | 32194202 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | DE | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428690 | 32194772 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | WV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428725 | 32036950 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428702 | 32036878 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428544 | 32043523 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428450 | 32036942 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 11/19/2024 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428450 | 32036944 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428599 | 32214371 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304428599 | 32218137 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Non QM | Non QM | No |
| 304428599 | 32218138 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx | 11/29/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Non QM | Non QM | Yes |
| 304428599 | 32232962 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Non QM | Non QM | No |
| 304428632 | 32037262 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428650 | 32038206 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428439 | 32037016 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428366 | 32051291 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428412 | 32037006 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428412 | 32037011 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428520 | 32194411 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428520 | 32194428 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 11/26/2024 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304428520 | 32194429 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428520 | 32226767 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428520 | 32267159 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428556 | 32195802 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428528 | 32036962 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428565 | 32046215 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428696 | 32046888 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428703 | 32043607 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428703 | 32043610 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428678 | 32194749 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428678 | 32496202 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 01/02/2025 |  |  | 1 A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428683 | 32036947 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428701 | 32194908 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304428701 | 32233185 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Same employer for over 5 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/21/2024 | 2 B |  | KY | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304428685 | 32194461 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428348 | 32194670 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428348 | 32194855 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428348 | 32194856 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/03/2025 |  |  | 1 B A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428348 | 32194857 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428348 | 32194858 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428348 | 32194859 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304428348 | 32194860 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428348 | 32194862 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 B A C |  | WI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304428348 | 32194863 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428348 | 32194864 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Wisconsin Covered Loan (Consumer Caution Notice Not Provided) | Wisconsin Covered Loan: Borrower not provided with Consumer Caution Notice. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | See any available cure under Wisconsin Covered Loan threshold exception. A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428348 | 32194865 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Wisconsin Covered Loan (Points and Fees) | Wisconsin Responsible High-Cost Mortgage Lending Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | Within 60 days of discovery, and before any investigation or other enforcement action by the WI Dept of Financial Institutions, provide: (1) Lender Attestation to AMC stating (i) lender acted in good faith while committing the violation; and (ii) there has been no prior investigation or other enforcement action by the WI Dept of Financial Institutions regarding the failure; (2) refund of amount over the covered loan threshold maximum; and (3) proof of delivery. |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304428348 | 32194867 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428357 | 32043857 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428369 | 32037377 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Disclosure Not Provided) | Maryland Covered Loan: Home Counseling Disclosure to provide home buyer education was not provided to borrower. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428369 | 32037378 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Agencies Not Provided) | Maryland Covered Loan: Home Counseling a list of county approved agencies to provide home buyer education was not provided to borrower. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428369 | 32037379 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428369 | 32037380 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428369 | 32037391 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428369 | 32037392 |  | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided |  | xxxx |  |  |  | xxxx | 11/18/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428372 | 32194696 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428447 | 32195801 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/02/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428447 | 32195837 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/23/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428532 | 32037322 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428532 | 32037348 |  | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided |  | xxxx |  |  |  | xxxx | 11/18/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428537 | 32194932 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428537 | 32231860 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 12/01/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428561 | 32194913 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428561 | 32499233 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 01/03/2025 |  |  | 1 A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428596 | 32037145 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428596 | 32037230 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428596 | 32037231 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428596 | 32037232 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Non QM | Non QM | Yes |
| 304428596 | 32037233 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428557 | 32044162 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428584 | 32047344 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428584 | 32047356 |  | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided |  | xxxx |  |  |  | xxxx | 11/18/2024 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428446 | 32044098 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428446 | 32044119 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx |  |  |  | xxxx | 11/14/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304428436 | 32043565 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428423 | 32195530 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428385 | 32051738 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/19/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428519 | 32047576 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428519 | 32047617 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428519 | 32047618 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428477 | 32047154 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428560 | 32050867 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428649 | 32038349 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428649 | 32038383 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 11/19/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428649 | 32038435 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428649 | 32038436 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428649 | 32038437 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428612 | 32037744 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428612 | 32037798 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428612 | 32037799 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428629 | 32038114 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428707 | 32195410 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | xxxx |  |  |  | xxxx | 11/26/2024 |  |  | 1 D A |  | AZ | Primary | Refinance - Cash-out - Other | D A C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428707 | 32195412 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D A C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428707 | 32195433 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 11/26/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D A C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428707 | 32195434 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 11/26/2024 |  |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | D A C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428707 | 32195435 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 11/26/2024 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304428707 | 32195436 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | xxxx |  |  |  | xxxx | 11/26/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D A C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428707 | 32195452 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | xxxx |  |  |  | xxxx | 11/26/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D A C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428411 | 32051304 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/19/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428421 | 32051660 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428535 | 32051426 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428538 | 32088924 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/19/2024 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428531 | 32037962 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428487 | 32037815 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428658 | 32037839 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428658 | 32037848 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx |  |  |  | xxxx | 11/07/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428625 | 32037931 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428625 | 32038111 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304428581 | 32037854 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428590 | 32195826 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428720 | 32037983 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428720 | 32038058 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428720 | 32038063 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428720 | 32038067 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx |  |  |  | xxxx |  |  |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304428720 | 32038099 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. | xxxx |  |  |  | xxxx |  | 01/03/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304428396 | 32051574 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428452 | 32038733 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428493 | 32038202 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/13/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428517 | 32194387 |  | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. |  |  |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428517 | 32194408 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428682 | 32037498 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/13/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304428682 | 32037501 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/04/2024 | 2 B |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304428468 | 32051872 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/19/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428485 | 32038224 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/13/2024 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428485 | 32038285 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428679 | 32038600 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/13/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428688 | 32052017 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/13/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428408 | 32195568 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428417 | 32052579 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/13/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428417 | 32052605 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 11/14/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428417 | 32052606 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 11/14/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428432 | 32051518 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/20/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428471 | 32230270 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | DE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428490 | 32195268 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428549 | 32039678 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/13/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428541 | 32196557 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Non QM | Non QM | No |
| 304428541 | 32196598 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304428541 | 32196602 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 11/30/2024 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304428491 | 32038869 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/13/2024 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428643 | 32231935 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428610 | 32195363 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 11/25/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428610 | 32195431 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/16/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428635 | 32231898 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428569 | 32088903 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/20/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428415 | 32220613 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304428415 | 32221521 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/03/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304428415 | 32231996 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Excellent credit, low ratios and a 75% CLTV | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/21/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304428336 | 32056021 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/20/2024 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428364 | 32233835 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428364 | 32233843 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428364 | 32233844 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428364 | 32234074 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428364 | 32238904 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) |  |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304428339 | 32051855 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428461 | 32052013 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428461 | 32123985 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 11/30/2024 |  |  | 1 A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428410 | 32052596 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428457 | 32051927 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/19/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428463 | 32039860 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428463 | 32039905 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428463 | 32039906 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428463 | 32039907 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428463 | 32041401 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428583 | 32088813 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/19/2024 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428583 | 32166220 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 12/03/2024 |  |  | 1 A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428611 | 32043784 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | NM | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428680 | 32044853 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428694 | 32052828 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428694 | 32052850 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/02/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428694 | 32289403 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 A |  | NV | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428659 | 32044665 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428666 | 32044726 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428666 | 32044895 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428669 | 32234588 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/01/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428399 | 32052701 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428454 | 32234393 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428506 | 32234734 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428530 | 32234886 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428496 | 32052478 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428615 | 32237354 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/02/2024 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428615 | 32237374 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428646 | 32235172 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428360 | 32045822 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Non QM | Non QM | No |
| 304428360 | 32045823 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304428513 | 32196543 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/02/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428484 | 32235606 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428492 | 32044874 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428576 | 32089597 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/20/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428652 | 32046092 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304428652 | 32047993 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 11/23/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304428652 | 32124088 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 12/02/2024 |  |  | 1 A |  | AL | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304428652 | 32288956 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ |  | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | 28.82515% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/02/2024 | 2 B |  | AL | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304428661 | 32236497 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428661 | 32238139 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Borrower has been with current employer for 19 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/04/2024 | 2 C B |  | LA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428604 | 32057610 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/20/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428604 | 32057628 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428604 | 32057629 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428608 | 32045062 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428466 | 32237162 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428505 | 32235909 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/23/2024 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428505 | 32235977 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428505 | 32235978 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428505 | 32235979 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428505 | 32235980 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428505 | 32235981 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428505 | 32235982 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304428505 | 32235983 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428505 | 32235985 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A C |  | NE | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304428505 | 32235986 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428510 | 32051908 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/20/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428545 | 32054211 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428545 | 32054212 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428545 | 32054214 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx |  | 01/07/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304428545 | 32054292 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 11/20/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428691 | 32057803 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428691 | 32057804 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428691 | 32057806 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/20/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428613 | 32055383 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/20/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428613 | 32055483 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 11/21/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428626 | 32052307 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/20/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428639 | 32045694 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304428653 | 32045849 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428653 | 32045988 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428653 | 32045989 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304428667 | 32057559 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/20/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428667 | 32062038 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304428676 | 32089107 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 11/20/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304420136 | 32022204 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx |  |  |  | xxxx |  | 12/18/2024 |  | 2 C B |  | ME | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304401304 | 32025362 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304384880 | 32022707 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/31/2024 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304392233 | 32022913 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | xxxx |  |  |  | xxxx | 11/04/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304393341 | 32030925 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/12/2024 | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418764 | 32031031 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 11/14/2024 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304418764 | 32031033 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304418764 | 32033594 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304418764 | 32143496 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304393212 | 32030555 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 11/04/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304401940 | 32053023 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304401940 | 32094650 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | AZ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304417276 | 32053638 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304420150 | 32055388 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 11/07/2024 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304420150 | 32069792 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304422971 | 32054636 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. |  |  |  |  | xxxx | 11/09/2024 |  |  | 1 C A |  | HI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304391221 | 32058701 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 11/07/2024 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304391221 | 32067667 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | AZ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304398573 | 32058696 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 11/07/2024 |  |  | 1 B A C |  | OK | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304398573 | 32058697 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304398573 | 32067635 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | OK | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304424089 | 32057389 |  | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. |  | xxxx |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304417252 | 32057882 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 11/08/2024 |  |  | 1 A |  | SC | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304417252 | 32057888 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 11/08/2024 |  |  | 1 B A |  | SC | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304399475 | 32059219 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304425613 | 32068802 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Low CLTV, good recent credit history and job history | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/07/2024 | 2 B |  | OR | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304420435 | 32065521 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304416273 | 32069965 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided |  | xxxx |  |  |  | xxxx | 11/12/2024 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304422954 | 32070926 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | MT | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425349 | 32083937 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/11/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304405721 | 32124585 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304405721 | 32124597 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 11/14/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304428731 | 32126997 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Final CD reflects a consumer debt payoff to xxxx for $xxxx but the credit report and letter from xxxx states the loan was paid off prior to close. Unable to determine disposition of the funds. |  |  |  | xxxx | 11/20/2024 |  |  | 1 C A |  | CA | Second Home | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425161 | 32132374 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425161 | 32134724 |  | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of xx/xx/xxxx which is 1 months prior to consummation. A lookback was performed to determine this application date. | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 B A |  | CO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425161 | 32134725 |  | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425266 | 32132961 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 11/19/2024 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304401298 | 32141874 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304401298 | 32144015 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438855 | 32154552 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438857 | 32154039 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438810 | 32244417 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438910 | 32154264 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438877 | 32154049 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439012 | 32244209 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304439012 | 32244214 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/02/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304438978 | 32154051 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438978 | 32154185 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439045 | 32145524 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439066 | 32244523 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439076 | 32244838 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | HI | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438801 | 32145485 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438801 | 32145563 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438801 | 32145564 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438801 | 32150358 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438801 | 32150382 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) |  |  |  |  | xxxx |  | 01/07/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304438822 | 32244706 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438822 | 32244782 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438822 | 32244783 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438822 | 32244785 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304438904 | 32154260 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438809 | 32145932 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438839 | 32154236 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438839 | 32154241 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 11/25/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438853 | 32154123 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439001 | 32154500 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304439001 | 32154553 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Co-borrower at current employer for 10 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/18/2024 | 2 B |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304439008 | 32246029 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439008 | 32246365 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439004 | 32247123 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439004 | 32247333 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439004 | 32247334 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439004 | 32247336 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) |  |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304439043 | 32157772 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438848 | 32249679 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/01/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438848 | 32249693 |  | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided |  | xxxx |  |  |  | xxxx | 12/21/2024 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438893 | 32154929 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304438893 | 32155155 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | No obvious cure C A |  |  | Non QM | Non QM | No |
| 304438832 | 32154653 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438813 | 32250880 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438828 | 32245257 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438828 | 32245765 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438828 | 32245767 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438828 | 32245769 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) |  |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304438828 | 32265442 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438908 | 32154914 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438908 | 32154953 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator | xxxx |  |  | 11/18/2024 | 2 B |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439081 | 32247796 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/03/2024 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439081 | 32247801 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439018 | 32415031 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 01/02/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439018 | 32415032 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 01/02/2025 |  |  | 1 B A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439018 | 32415033 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 01/02/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439018 | 32415035 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 01/02/2025 |  |  | 1 B A C |  | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304439018 | 32415036 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. |  |  |  |  | xxxx | 01/02/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439018 | 32415058 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439018 | 32418983 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  | xxxx | 01/02/2025 |  |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438998 | 32245976 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438998 | 32246176 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438998 | 32246177 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/03/2025 |  |  | 1 B A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438998 | 32246178 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438998 | 32246179 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438998 | 32246180 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438998 | 32246181 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438998 | 32246182 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304438998 | 32246183 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (2015 Counseling Requirement) | Truth in Lending Act (HOEPA): Pre-loan counseling requirements not met. |  |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438998 | 32246184 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438998 | 32246185 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 B A C |  | KS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304439017 | 32154636 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/02/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439017 | 32154640 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439017 | 32154759 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439017 | 32159361 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438836 | 32154622 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438884 | 32155806 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438800 | 32154810 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438951 | 32248519 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438951 | 32254727 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438951 | 32254728 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438958 | 32156396 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438952 | 32246583 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438952 | 32246625 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439049 | 32154578 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439058 | 32155581 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439058 | 32155666 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 11/25/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439075 | 32145354 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438829 | 32155382 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438804 | 32159898 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438804 | 32308578 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 12/31/2024 |  |  | 1 A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438873 | 32156127 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438879 | 32247353 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438946 | 32157070 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438944 | 32248512 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438975 | 32250360 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304439069 | 32248356 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | NH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438867 | 32160529 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 11/25/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438867 | 32160536 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438867 | 32162616 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 23.04970% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/19/2024 | 2 B |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438870 | 32160804 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438926 | 32163141 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439026 | 32161431 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304439026 | 32161646 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | 11 years at current employer. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/27/2025 | 2 C B |  | ID | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304439026 | 32166017 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | 11 years at current employer. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/19/2024 | 2 B |  | ID | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304439080 | 32161406 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439080 | 32161587 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439080 | 32161588 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439080 | 32161589 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439087 | 32249848 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304439087 | 32250031 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304439087 | 32250033 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304439087 | 32250034 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304439044 | 32160503 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439057 | 32160479 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439072 | 32255274 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/30/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439015 | 32161727 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439015 | 32161728 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439039 | 32145503 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439039 | 32150278 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 11/21/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439062 | 32161110 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438874 | 32161891 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438821 | 32161912 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304438997 | 32255099 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438997 | 32255161 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438997 | 32255162 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438997 | 32255163 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304438997 | 32255164 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438997 | 32255166 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 B A C |  | KS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304438997 | 32255167 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439095 | 32415466 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 01/29/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304439095 | 32415518 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304438930 | 32160476 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438930 | 32160502 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | No obvious cure C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439111 | 32145890 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439083 | 32258427 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439083 | 32258486 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | 724 FICO score | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/10/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439083 | 32258490 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304439083 | 32258491 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 49.15804% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | 724 FICO score | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/10/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439083 | 32258501 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439086 | 32418212 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438878 | 32255231 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | DE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438823 | 32160780 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438890 | 32255522 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438882 | 32160486 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438817 | 32255615 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438806 | 32164539 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304438806 | 32164548 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304438976 | 32255403 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing paystubs, the paystubs received are illegible. |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438976 | 32255415 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438923 | 32255511 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439020 | 32258112 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439020 | 32258113 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439020 | 32258116 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304439020 | 32258175 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439010 | 32165451 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439053 | 32162069 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438936 | 32160702 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438966 | 32256206 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438939 | 32257444 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438957 | 32161932 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438799 | 32145931 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304438875 | 32162451 |  | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. |  |  |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438875 | 32163080 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438875 | 32163087 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 11/29/2024 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438920 | 32164313 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438920 | 32164357 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 03/20/2025 |  |  | 1 B A C |  | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304438920 | 32164358 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438920 | 32166135 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438920 | 33091490 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438940 | 32264786 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438940 | 32264870 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438940 | 32264871 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438940 | 32264873 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304438991 | 32164585 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438991 | 32164604 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 11/29/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438992 | 32162204 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438992 | 32162729 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438992 | 32162730 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx | 11/26/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304438992 | 32162749 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438992 | 32176088 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | Texas Constitution Section 50(a)(6): TX 50(a)(6) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under TX 50(a)(1)-(5) or (8). Unable to determine purpose of additional debt secured by the homestead. |  |  |  |  | xxxx | 11/26/2024 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304438992 | 32348993 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 12/16/2024 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439061 | 32166492 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439061 | 32181499 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Borrower has lived in property for over 8 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/20/2024 | 2 B |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438945 | 32258559 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438945 | 32259396 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing 2023 W-2 for co-borrower from xxxx office. |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438989 | 32257544 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439006 | 32265389 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304439006 | 32268178 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304438831 | 32267135 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438831 | 32267182 |  | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438895 | 32166549 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438845 | 32166497 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439023 | 32166722 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438961 | 32256710 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438984 | 32162776 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304439034 | 32166589 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439034 | 32338010 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 12/16/2024 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439035 | 32166751 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439110 | 32259009 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438962 | 32166600 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B |  |  | Non QM | Non QM | No |
| 304438962 | 32166613 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | 756 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/13/2025 | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | C B |  |  | Non QM | Non QM | No |
| 304438962 | 32166616 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 01/13/2025 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B |  |  | Non QM | Non QM | Yes |
| 304438962 | 32166617 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 01/13/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B |  |  | Non QM | Non QM | No |
| 304438962 | 32166618 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.01961% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | 756 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/13/2025 | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | C B |  |  | Non QM | Non QM | No |
| 304438962 | 32629384 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 49.93496% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | 756 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/13/2025 | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B |  |  | Non QM | Non QM | No |
| 304438964 | 32255243 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439077 | 32255490 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/26/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439077 | 32255503 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438802 | 32417422 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/08/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438802 | 32417569 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438802 | 32417570 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438802 | 32424313 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) |  |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304438862 | 32167038 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438864 | 32415064 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438871 | 32167427 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304438871 | 32167488 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx |  |  |  | xxxx | 11/26/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304438994 | 32257383 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438994 | 32257428 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438994 | 32257429 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438994 | 32257430 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438955 | 32255953 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438955 | 32342365 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 12/16/2024 |  |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304438972 | 32258109 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439085 | 32146049 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439054 | 32152019 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | 728 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/04/2024 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439054 | 32152020 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439054 | 32152035 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439054 | 32152036 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 12/04/2024 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439054 | 32152037 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439054 | 32152038 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304439054 | 32152039 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 46.56300% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | 728 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/04/2024 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439054 | 32152040 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439064 | 32257021 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304439071 | 32269608 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439071 | 32269660 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439071 | 32269661 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439071 | 32269663 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) |  |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304439071 | 32269770 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439071 | 32281916 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | xxxx | 01/05/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439071 | 32281927 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 01/05/2025 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439071 | 32281929 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 01/02/2025 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304419321 | 32167447 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Appraiser's name not provided. |  | xxxx |  |  |  | xxxx | 12/02/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304419321 | 32167504 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 11/21/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304435349 | 32181306 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304420076 | 32168170 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 12/03/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304419533 | 32190610 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 11/26/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304418741 | 32168687 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 12/06/2024 |  |  | 1 A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304418741 | 32168745 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442479 | 32235946 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442480 | 32235816 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/16/2024 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304443030 | 32235971 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442520 | 32237127 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442520 | 32443362 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  |  |  |  | xxxx | 12/18/2024 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442550 | 32236017 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442550 | 32236029 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 01/02/2025 |  |  | 1 B A C |  | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304442550 | 32546143 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | WA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442569 | 32350786 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 B A C |  | ID | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304442569 | 32350787 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 45.48946% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | 741 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/17/2024 | 2 C B |  | ID | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442569 | 32350810 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442569 | 32350815 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | 741 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/17/2024 | 2 C B |  | ID | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442569 | 32350816 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442512 | 32236443 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442575 | 32236964 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/21/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442575 | 32242269 |  | Credit | Missing Document | General | Missing Document | Missing Document: Credit Card Statement not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304443025 | 32238169 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | SD | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442484 | 32236624 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442484 | 32241024 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442568 | 32236127 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442581 | 32351437 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442558 | 32236766 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/02/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442558 | 32236858 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/23/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304443031 | 32237856 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304443031 | 32237878 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/02/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442557 | 32239863 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442534 | 32237863 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442534 | 32238202 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442493 | 32237301 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442592 | 32239691 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/22/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442592 | 32239728 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442509 | 32239743 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/02/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442495 | 32239864 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/28/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442519 | 32240192 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442502 | 32240131 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442500 | 32238121 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442500 | 32238122 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442500 | 32238123 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304442500 | 32238124 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442500 | 32238126 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 B A C |  | ME | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304442500 | 32238127 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442500 | 32238128 |  | Compliance | Compliance | State Compliance | State HPML | Maine Dodd Frank HPML Threshold 2013 Test Compliant | Maine Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%, or subject loan is a high-cost mortgage loan, contains negative amortization, or has an interest-only feature. Compliant Higher Priced Loan. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442500 | 32238129 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maine High-Cost Loan (HOEPA Threshold Tests) | Maine (Regulation Z-3 2013): Mortgage loan is HOEPA high-cost due to failing applicable APR, Points & Fees and/or Prepayment Penalty threshold tests. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442500 | 32238130 |  | Compliance | Compliance | State Compliance | State Defect | Maine HRHF Counseling Test | Maine High Rate, High Fee Loan: No evidence borrower received home-ownership counseling. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | See any available cure under the Maine High Rate, High Fee Mortgage Loan threshold exception. C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442500 | 32238131 |  | Compliance | Compliance | State Compliance | State Defect | Maine HRHF Federal Points and Fees Threshold Test 2014 | Maine Truth in Lending Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442500 | 32238132 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | State Defect | Maine HRHF HOEPA Compliance Test | Maine (Regulation Z-3 2013): HOEPA loan not compliant. Refer to HOEPA failure stipulations for specific details. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442500 | 32238188 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442500 | 32453036 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 12/23/2024 |  |  | 1 A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442561 | 32240163 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442572 | 32241705 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442547 | 32244506 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442547 | 32244693 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442547 | 32244694 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442547 | 32244695 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304442547 | 32244696 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442547 | 32244698 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A C |  | WI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304442547 | 32244699 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442547 | 32244700 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Wisconsin Covered Loan (Consumer Caution Notice Not Provided) | Wisconsin Covered Loan: Borrower not provided with Consumer Caution Notice. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | See any available cure under Wisconsin Covered Loan threshold exception. A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442547 | 32244701 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Wisconsin Covered Loan (Points and Fees) | Wisconsin Responsible High-Cost Mortgage Lending Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | Within 60 days of discovery, and before any investigation or other enforcement action by the WI Dept of Financial Institutions, provide: (1) Lender Attestation to AMC stating (i) lender acted in good faith while committing the violation; and (ii) there has been no prior investigation or other enforcement action by the WI Dept of Financial Institutions regarding the failure; (2) refund of amount over the covered loan threshold maximum; and (3) proof of delivery. |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304442607 | 32358112 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442607 | 32358298 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 12/16/2024 |  |  | 1 B A C |  | AL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304442607 | 32424306 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | AL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442606 | 32237723 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442606 | 32237783 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 12/04/2024 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304442606 | 32308452 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442477 | 32242975 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/23/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304443026 | 32237915 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/31/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304443033 | 32239979 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/02/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304443033 | 32239982 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442597 | 32237815 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304442597 | 32243546 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | 10 plus years in current residence. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 11/23/2024 | 2 B |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304442593 | 32239842 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/28/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442599 | 32238658 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/30/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442602 | 32240985 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442602 | 32240994 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/02/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442595 | 32242970 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/30/2024 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442595 | 32242971 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Please provide VA Verification of Benefits document |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304443024 | 32239855 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304443024 | 32239884 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304443024 | 32242946 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442538 | 32244717 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442538 | 32247230 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442538 | 32247252 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C |  |  | Non QM | Non QM | Yes |
| 304442538 | 32247263 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442538 | 32252647 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 60.85360% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442583 | 32244319 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/30/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442583 | 32244333 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Co-borrower has been with current employer for 13 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/17/2024 | 2 C B |  | WA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442585 | 32244765 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/28/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442608 | 32246322 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/16/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442564 | 32244970 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442494 | 32246106 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442596 | 32244945 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442596 | 32245009 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 01/21/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442596 | 32247850 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 01/21/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442601 | 32361030 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442601 | 32361070 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442601 | 32361311 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Borrower has worked in the same field for 15 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/17/2024 | 2 C B |  | OK | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442601 | 32361380 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442601 | 32361381 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 12/17/2024 |  |  | 1 B A |  | OK | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442601 | 32361382 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442601 | 32361383 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 B A C |  | OK | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304442601 | 32361384 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 45.19163% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Borrower has worked in the same field for 15 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/17/2024 | 2 C B |  | OK | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442601 | 32361385 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442589 | 32245022 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442505 | 32240481 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442505 | 32242951 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442505 | 32242954 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | 748 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/23/2024 | 2 B |  | CT | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442566 | 32240263 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442556 | 32245171 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304443027 | 32244799 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442577 | 32244983 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442577 | 32245084 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442559 | 32245124 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442591 | 32238560 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442591 | 32238575 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/02/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304443032 | 32239942 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304443032 | 32239989 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442563 | 32244994 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442717 | 32269604 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442697 | 32278215 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442851 | 32269459 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/30/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442851 | 32269494 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442851 | 32269495 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442851 | 32269496 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442821 | 32269878 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442831 | 32269497 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442858 | 32269827 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442681 | 32270195 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442681 | 32270210 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442838 | 32269644 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/23/2024 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442838 | 32269669 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442838 | 32269940 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442838 | 32269941 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442838 | 32269942 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304442838 | 32269943 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442838 | 32269945 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 B A C |  | ME | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304442838 | 32269946 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442838 | 32269948 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maine High-Cost Loan (HOEPA Threshold Tests) | Maine (Regulation Z-3 2013): Mortgage loan is HOEPA high-cost due to failing applicable APR, Points & Fees and/or Prepayment Penalty threshold tests. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442838 | 32269949 |  | Compliance | Compliance | State Compliance | State Defect | Maine HRHF 2014 Points and Fees Threshold Testing | Maine Truth in Lending Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442838 | 32269950 |  | Compliance | Compliance | State Compliance | State Defect | Maine HRHF Counseling Test | Maine High Rate, High Fee Loan: No evidence borrower received home-ownership counseling. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | See any available cure under the Maine High Rate, High Fee Mortgage Loan threshold exception. C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442838 | 32269951 |  | Compliance | Compliance | State Compliance | State Defect | Maine HRHF Federal Points and Fees Threshold Test 2014 | Maine Truth in Lending Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442838 | 32269952 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | State Defect | Maine HRHF HOEPA Compliance Test | Maine (Regulation Z-3 2013): HOEPA loan not compliant. Refer to HOEPA failure stipulations for specific details. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442778 | 32415223 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442778 | 32415296 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442778 | 32415297 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442778 | 32415299 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) |  |  |  |  | xxxx |  | 01/07/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304442864 | 32270402 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442768 | 32272163 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442768 | 32272170 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/03/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442775 | 32272636 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442775 | 32272720 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442720 | 32272472 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442720 | 32272587 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442720 | 32272588 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442720 | 32272589 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442801 | 32274462 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442763 | 32271192 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442870 | 32274455 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442825 | 32272526 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442849 | 32272863 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442796 | 32278181 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442796 | 32278296 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing documentation verifying VA Disability income used to qualify. |  |  |  | xxxx | 12/13/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442856 | 32259389 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442856 | 32259457 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442856 | 32283397 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 12/14/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442893 | 32265122 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442893 | 32265169 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | xxxx |  |  |  | xxxx | 01/24/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442758 | 32270914 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442758 | 32270922 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304442862 | 32256086 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442847 | 32271846 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442711 | 32271138 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442711 | 32274878 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing 2023 W-2 for borrowers employer xxxx. |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442753 | 32274696 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442771 | 32271411 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442740 | 32272231 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442779 | 32273136 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442779 | 32277229 |  | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. |  | xxxx |  |  |  | xxxx | 12/28/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442833 | 32264792 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442769 | 32259152 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/11/2024 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442723 | 32279332 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442723 | 32279421 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442723 | 32279422 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442714 | 32259016 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | NM | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442860 | 32259224 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442866 | 32255761 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442887 | 32279235 |  | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. |  |  |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442887 | 32279486 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442823 | 32274676 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442799 | 32273719 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442812 | 32419418 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442812 | 32419419 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442812 | 32419420 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Non QM | Non QM | Yes |
| 304442812 | 32419421 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442812 | 32419427 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442859 | 32270093 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442859 | 32285048 |  | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442867 | 32259554 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442890 | 32289698 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442739 | 32278829 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | DE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442752 | 32278841 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442752 | 32278843 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442752 | 32278956 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442752 | 32278957 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442699 | 32279048 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442704 | 32257826 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442834 | 32256979 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442905 | 32545265 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442736 | 32282533 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442690 | 32283445 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442751 | 32279355 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442751 | 32279424 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442751 | 32279425 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/03/2025 |  |  | 1 B A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442751 | 32279426 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442751 | 32279427 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442751 | 32279428 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442751 | 32279429 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442751 | 32279431 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304442751 | 32279432 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442751 | 32279434 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 B A C |  | WI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304442751 | 32279435 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442751 | 32279436 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Wisconsin Covered Loan (Consumer Caution Notice Not Provided) | Wisconsin Covered Loan: Borrower not provided with Consumer Caution Notice. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | See any available cure under Wisconsin Covered Loan threshold exception. A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442751 | 32279437 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Wisconsin Covered Loan (Points and Fees) | Wisconsin Responsible High-Cost Mortgage Lending Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | Within 60 days of discovery, and before any investigation or other enforcement action by the WI Dept of Financial Institutions, provide: (1) Lender Attestation to AMC stating (i) lender acted in good faith while committing the violation; and (ii) there has been no prior investigation or other enforcement action by the WI Dept of Financial Institutions regarding the failure; (2) refund of amount over the covered loan threshold maximum; and (3) proof of delivery. |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304442726 | 32280261 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442818 | 32280439 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442818 | 32280464 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442757 | 32279414 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442841 | 32280205 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442872 | 32280826 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442703 | 32279535 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442703 | 32279536 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442703 | 32279627 |  | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. |  | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442703 | 32279636 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Borrower has lived in subject for 7 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/12/2024 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442816 | 32257570 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/02/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442816 | 32290419 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | KS | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442793 | 32281912 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442718 | 32283507 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442857 | 32257443 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442857 | 32257460 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442891 | 32281898 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | C B |  |  | Non QM | Non QM | No |
| 304442891 | 32281956 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B |  |  | Non QM | Non QM | No |
| 304442891 | 32281958 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B |  |  | Non QM | Non QM | No |
| 304442891 | 32291598 |  | Credit | Credit | Credit Eligibility | Credit | Guideline Issue: Foreclosure timeline outside of credit guidelines |  | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Borrower has been with current employer for 10 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/24/2024 | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | C B |  |  | Non QM | Non QM | No |
| 304442891 | 32291599 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B |  |  | Non QM | Non QM | No |
| 304442809 | 32280065 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442809 | 32280152 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 01/27/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304442809 | 32280154 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx |  |  |  | xxxx | 01/27/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304442746 | 32275352 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442693 | 32256752 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442745 | 32281258 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304442724 | 32257755 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442724 | 32257839 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442724 | 32275157 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442687 | 32259343 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442698 | 32265565 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442698 | 32266143 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 01/27/2025 |  |  | 1 B A C |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304442698 | 32716870 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442781 | 32257853 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442875 | 32256869 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442824 | 32266247 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442824 | 32266249 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/03/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442824 | 32276685 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | xxxx |  |  |  | xxxx | 01/24/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442874 | 32266150 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442700 | 32266305 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304442773 | 32281535 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304436452 | 32233132 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304398747 | 32238312 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/27/2024 | 2 B |  | NC | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304398747 | 32238363 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 11/27/2024 |  |  | 1 B A C |  | NC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304398747 | 32275455 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | NC | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304420711 | 32241434 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 B A C |  | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304420711 | 32322267 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | MO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304420754 | 32266597 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304415942 | 32252481 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | VA Verification of Benefits document not provided for borrower. |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304436566 | 32271020 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/03/2024 | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304433058 | 32279138 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 12/03/2024 |  |  | 1 C A |  | MT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304422415 | 32279301 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ |  |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425600 | 32280364 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Investment | Refinance - Cash-out - Other | C B A |  |  | N/A | N/A | No |
| 304425600 | 32280440 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | xxxx |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | AZ | Investment | Refinance - Cash-out - Other | C B A |  |  | N/A | N/A | No |
| 304425600 | 32280441 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | 751 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/20/2024 | 2 C B |  | AZ | Investment | Refinance - Cash-out - Other | C B A |  |  | N/A | N/A | No |
| 304420852 | 32280655 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304423571 | 32284201 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304422564 | 32286462 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304422564 | 32443368 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/18/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304437361 | 32291791 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Required Property Inspection Report is missing |  |  |  | xxxx | 12/05/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304427457 | 32287795 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided |  | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304432237 | 32278693 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 B A C |  | AL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304432237 | 32324256 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | AL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304425054 | 32308234 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304435350 | 32289351 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304432638 | 32289401 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304420729 | 32292145 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 12/06/2024 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304420729 | 32324287 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | AZ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304457567 | 32300433 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/04/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457501 | 32329934 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457504 | 32334845 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457504 | 32334856 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457504 | 32334857 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457504 | 32334858 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457504 | 32334859 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304457504 | 32334860 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457504 | 32334862 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304457504 | 32334863 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457504 | 32334868 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457504 | 32334869 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457504 | 32334878 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/23/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457605 | 32294384 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/30/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457651 | 32292778 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457651 | 32294886 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | xxxx | 12/14/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Non QM | Non QM | Yes |
| 304457663 | 32334427 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457663 | 32334464 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457666 | 32294516 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457666 | 32294519 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx |  | 01/07/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304457666 | 32294554 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457666 | 32295160 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457725 | 32299059 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457832 | 32293006 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457691 | 32568430 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Non QM | Non QM | Yes |
| 304457691 | 32568449 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304457703 | 32292541 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457715 | 32330131 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457715 | 32496363 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457721 | 32331848 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457848 | 32309131 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457848 | 32455824 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457864 | 32568527 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304457864 | 32623058 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/30/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304457486 | 32332314 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/23/2024 |  |  | 1 C A |  | WV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457487 | 32340940 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/10/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457487 | 32340941 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457507 | 32332902 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  | Property not inspected post FEMA declared disaster, but property is not located near the declared disaster area.<br>Borrower has verified disposable income of at least $2500.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Compliant Higher Priced Mortgage Loan. | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/09/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457507 | 32332959 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/28/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457647 | 32294443 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304457647 | 32294843 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx |  | 01/13/2025 |  | 2 C B |  | UT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Non QM | Non QM | Yes |
| 304457615 | 32568445 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457685 | 32309357 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457809 | 32293341 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457674 | 32309550 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457837 | 32293679 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457708 | 32309667 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457812 | 32569445 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/11/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457821 | 32309368 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 01/15/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457821 | 32309389 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457821 | 32309412 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457821 | 32317304 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457824 | 32293764 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | DC | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457824 | 32297953 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 01/10/2025 |  |  | 1 C A |  | DC | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457706 | 32309639 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457580 | 32332833 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457570 | 32293540 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/28/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457570 | 32507679 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 01/03/2025 |  |  | 1 A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457624 | 32311678 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457624 | 32312037 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457624 | 32312038 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457624 | 32312039 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457624 | 32312040 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457624 | 32312041 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457624 | 32312042 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457624 | 32312043 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304457624 | 32312044 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457624 | 32312046 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457624 | 32312047 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304457601 | 32293695 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457601 | 32294438 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 12/15/2024 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457668 | 32363104 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/23/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457668 | 32363186 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457668 | 32363187 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457662 | 32293521 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457609 | 32310643 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457705 | 32313117 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/28/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457705 | 32313297 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457705 | 32313298 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457705 | 32313299 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457705 | 32313300 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304457705 | 32313301 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457705 | 32313303 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457705 | 32313305 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304457723 | 32294572 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/30/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457747 | 32313910 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457747 | 32313926 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457749 | 32568591 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/11/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457755 | 32293460 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457555 | 32313483 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457555 | 32466152 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457481 | 32297437 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/28/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457589 | 32294497 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457689 | 32293314 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457816 | 32333669 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457682 | 32293649 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | WV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457762 | 32293334 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457790 | 32293660 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457523 | 32296014 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457523 | 32300569 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457523 | 32455714 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 12/30/2024 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457549 | 32294544 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457592 | 32296306 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457592 | 32296342 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 01/27/2025 |  |  | 1 B A C |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304457592 | 32716954 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457556 | 32295223 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457510 | 32321446 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457510 | 32321503 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457655 | 32341015 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457655 | 32341021 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/16/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457614 | 32295181 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/04/2024 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304457614 | 32295207 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/23/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304457614 | 32295226 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/13/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304457730 | 32294881 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | WV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457744 | 32318081 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457822 | 32318089 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457822 | 32318255 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457822 | 32318256 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457822 | 32325738 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 01/02/2025 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304457822 | 32325739 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) |  |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304457822 | 32546148 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457839 | 32294267 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx |  | 01/13/2025 |  | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304457839 | 32294268 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304457839 | 32294275 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457564 | 32293654 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/13/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457564 | 32293664 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457489 | 32341111 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457563 | 32318890 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/02/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457709 | 32293863 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457617 | 32293430 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/02/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457696 | 32342128 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/30/2024 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457850 | 32293994 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457850 | 32294013 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | xxxx |  |  |  | xxxx | 12/21/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457836 | 32319213 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457819 | 32318978 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457819 | 32323070 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | Borrower has owned the subject property for at least 5 years. | Borrower has lived in the subject property for 9 years. | SitusAMC,Aggregator | xxxx |  |  | 12/21/2024 | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457819 | 32323087 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 12/21/2024 |  |  | 1 B A C |  | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304457819 | 32323088 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 49.30114% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | Borrower has owned the subject property for at least 5 years. | Borrower has lived in the subject property for 9 years. | SitusAMC,Aggregator | xxxx |  |  | 12/21/2024 | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457819 | 32323089 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 12/21/2024 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457547 | 32299244 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/30/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457573 | 32568858 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457528 | 32320962 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457528 | 32323617 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/21/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457619 | 32340916 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457619 | 32341229 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Disclosure Not Provided) | Maryland Covered Loan: Home Counseling Disclosure to provide home buyer education was not provided to borrower. | xxxx |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457619 | 32341230 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Agencies Not Provided) | Maryland Covered Loan: Home Counseling a list of county approved agencies to provide home buyer education was not provided to borrower. | xxxx |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457619 | 32341231 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457619 | 32341232 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457619 | 32341233 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457699 | 32298466 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/02/2025 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457704 | 32343780 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457728 | 32334102 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457750 | 32319775 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | DE | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457760 | 32321371 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457760 | 32321449 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457840 | 32334386 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | WV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457846 | 32298517 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/30/2024 |  |  | 1 C A |  | MT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457741 | 32301779 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457741 | 32301961 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457543 | 32340865 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457539 | 32323169 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/30/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457539 | 32323186 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/06/2024 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457586 | 32323757 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457586 | 32323758 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx |  | 01/07/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304457586 | 32323760 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457527 | 32299812 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457541 | 32300486 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457541 | 32300512 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 01/02/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304457541 | 32546198 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457575 | 32298182 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457645 | 32301716 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/30/2024 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457608 | 32343829 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457752 | 32304408 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457752 | 32304453 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457756 | 32298962 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457785 | 32302265 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Disclosure Not Provided) | Maryland Covered Loan: Home Counseling Disclosure to provide home buyer education was not provided to borrower. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457785 | 32302266 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457785 | 32302267 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457785 | 32302268 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457785 | 32302286 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457796 | 32319468 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457802 | 32317829 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457802 | 32318083 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457513 | 32341468 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/28/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457536 | 32299752 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457545 | 32569323 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/11/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457551 | 32300812 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457631 | 32343802 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457631 | 32344033 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 01/27/2025 |  |  | 1 B A C |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304457631 | 32716979 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | PA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457676 | 32321645 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457676 | 32321646 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457676 | 32321648 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx | 01/02/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304457676 | 32322787 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457759 | 32568615 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/11/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457759 | 32568652 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457759 | 32568653 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457621 | 32343032 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/11/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304457621 | 32343079 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/30/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304457838 | 32311821 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Disclosure Not Provided) | Maryland Covered Loan: Home Counseling Disclosure to provide home buyer education was not provided to borrower. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457838 | 32311822 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Agencies Not Provided) | Maryland Covered Loan: Home Counseling a list of county approved agencies to provide home buyer education was not provided to borrower. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457838 | 32311823 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | No obvious cure C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457838 | 32311847 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457852 | 32306413 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | NH | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457855 | 32299137 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457842 | 32302170 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457558 | 32568765 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/11/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457497 | 32363898 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457583 | 32313781 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457496 | 32323521 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457496 | 32323581 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457496 | 32323582 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457496 | 32323583 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457496 | 32323584 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457496 | 32323585 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457496 | 32323586 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457496 | 32323587 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457496 | 32323588 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304457496 | 32323589 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457496 | 32323591 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 B A C |  | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304457496 | 32323592 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457496 | 32323593 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Illinois High Risk Home Loan (Consumer Caution Notice Not Provided) | Illinois High Risk Home Loan: Borrower not provided with Consumer Caution Notice. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | See any available cure under Illinois High-Risk threshold exception. C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457496 | 32323594 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) Illinois High Risk Home Loan (Impermissible Financing of Points and Fees) | Illinois High Risk Home Loan: Lender financed points and fees not permissible. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | See any available cure under Illinois High-Risk threshold exception. C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457496 | 32323595 |  | Compliance | Compliance | State Compliance | State Late Charge | (State High Cost Provision) Illinois High Risk Home Loan (Late Charge) | Illinois High Risk Home Loan: Mortgage loan contains an impermissible late charge greater than 4%. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | See any available cure under Illinois High-Risk threshold exception. C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457496 | 32323597 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Illinois High Risk Home Loan (Mortgage Awareness Program ("MAP") Not Provided) | Illinois High Risk Home Loan: Borrower not notified of right to participate in Mortgage Awareness Program ("MAP"). | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | See any available cure under Illinois High-Risk threshold exception. C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457496 | 32323598 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Illinois High Risk Home Loan (Points and Fees) | Illinois High Risk Home Loan Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | Within 30 days of closing, provide: (1) Lender Attestation to AMC attesting the lender has not received any notice from borrower of the failure; (2) Letter of Explanation; (3) refund of amount over the high-risk threshold maximum; and (4) proof of mailing (must be in transit with courier).<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-risk threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304457502 | 32318509 |  | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. |  | xxxx |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457502 | 32318542 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457652 | 32301711 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457657 | 32362989 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457681 | 32302130 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457681 | 32302378 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457681 | 32302379 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | xxxx | 12/17/2024 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457681 | 32302380 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457681 | 32302381 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457681 | 32302382 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457681 | 32302383 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457681 | 32302384 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304457681 | 32302385 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457681 | 32302387 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457681 | 32302391 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 B A C |  | AR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304457692 | 32330859 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457724 | 32330411 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/16/2024 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457743 | 32330296 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457751 | 32332301 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457742 | 32300741 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457768 | 32343188 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/28/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457768 | 32507292 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 01/19/2025 |  |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457768 | 32669374 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Borrower has lived in subject for 8 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/27/2025 | 2 B |  | IL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457768 | 32669375 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 01/27/2025 |  |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304457768 | 32669376 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 47.07597% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Borrower has lived in subject for 8 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/27/2025 | 2 B |  | IL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457768 | 32669377 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 01/27/2025 |  |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457772 | 32311789 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457772 | 32499187 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 01/03/2025 |  |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457849 | 32341834 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457540 | 32312061 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457540 | 32312065 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457579 | 32341264 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | MT | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457579 | 32341314 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 01/02/2025 |  |  | 1 B A C |  | MT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304457579 | 32490638 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 01/03/2025 |  |  | 1 A |  | MT | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457579 | 32546199 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | MT | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457495 | 32341681 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457526 | 32306329 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/01/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457607 | 32301095 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457581 | 32301415 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 12/21/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457581 | 32301453 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/21/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457581 | 32465379 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 12/30/2024 |  |  | 1 A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457603 | 32352073 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457687 | 32299818 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457702 | 32342100 |  | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. |  |  |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457702 | 32349892 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/02/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457702 | 32349914 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457702 | 32349915 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457702 | 32349916 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457702 | 32349917 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304457702 | 32349918 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457702 | 32349920 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 05/08/2025 |  |  | 1 B A C |  | AR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304457702 | 32349921 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457702 | 32368411 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Borrower has a good credit history | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 12/12/2024 | 2 B |  | AR | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457702 | 33431852 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | AR | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457775 | 32302402 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B |  |  | Non QM | Non QM | No |
| 304457775 | 32302436 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years. | Borrower has lived in subject for 5 years. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 12/12/2024 | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B |  |  | Non QM | Non QM | No |
| 304457775 | 32302492 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B |  |  | Non QM | Non QM | No |
| 304457775 | 32302493 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B |  |  | Non QM | Non QM | No |
| 304457775 | 32302494 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | No obvious cure C B |  |  | Non QM | Non QM | No |
| 304457726 | 32301751 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/28/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457757 | 32351445 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | MT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457485 | 32350292 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457542 | 32320634 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457533 | 32319229 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457533 | 32319289 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457533 | 32319290 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457533 | 32319291 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457533 | 32319292 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304457533 | 32319293 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457533 | 32319294 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457533 | 32319295 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A C |  | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304457533 | 32496230 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 01/03/2025 |  |  | 1 A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457479 | 32351492 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/30/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457518 | 32353402 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457492 | 32350843 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/29/2024 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457626 | 32351366 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457635 | 32302315 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457635 | 32369118 |  | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. |  | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Borrower has lived in subject for 16 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/02/2025 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457584 | 32305742 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/22/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457584 | 32369231 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457584 | 32369232 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457584 | 32369233 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457584 | 32369234 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457584 | 32369235 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457584 | 32369236 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457584 | 32369237 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304457584 | 32369238 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457584 | 32369239 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304457584 | 32369240 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304457613 | 32300891 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304457633 | 32302321 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304457825 | 32302838 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/28/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304417841 | 32322376 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Client acknowledged exception to their purchase criteria as the valuation did not document any agricultural activities. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/06/2024 | 2 B |  | HI | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425885 | 32295193 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425885 | 32295194 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425885 | 32295195 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | Texas Constitution Section 50(a)(6): TX 50(a)(6) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under TX 50(a)(1)-(5) or (8). Unable to determine purpose of additional debt secured by the homestead. |  |  |  |  | xxxx | 01/03/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304439611 | 32298854 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator | xxxx |  |  | 12/05/2024 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304431550 | 32325192 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 D A |  | MD | Primary | Refinance - Cash-out - Other | D A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304429045 | 32300078 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. |  |  |  |  | xxxx | 12/10/2024 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304429015 | 32311513 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304429015 | 32311529 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 12/09/2024 |  |  | 1 B A C |  | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304429015 | 32340031 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | MO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304441641 | 32315381 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/16/2024 | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304441641 | 32315417 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 02/13/2025 |  | 2 C B |  | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304436537 | 32300065 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 B A C |  | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304436537 | 32300071 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304436537 | 32300083 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304436537 | 32304412 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 53.44150% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304436536 | 32333407 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304436612 | 32338211 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator | xxxx |  |  | 12/12/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304437876 | 32338013 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304437876 | 32338051 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 01/09/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304437876 | 32338052 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx |  |  |  | xxxx | 01/09/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304420722 | 32337962 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 304420722 | 32337963 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304420722 | 32440511 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | AZ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304437713 | 32343444 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304422683 | 32348346 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304422683 | 32348347 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304422683 | 32348348 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx |  | 01/10/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304422683 | 32348349 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304436575 | 32353404 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304432863 | 32427485 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304466658 | 32352922 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466729 | 32351873 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466729 | 32351932 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 01/02/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466729 | 32351933 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 01/02/2025 |  |  | 1 B A |  | SC | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466729 | 32351934 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 01/02/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466729 | 32351936 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 01/02/2025 |  |  | 1 B A C |  | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304466729 | 32351937 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 48.30901% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | 741 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/02/2025 | 2 C B |  | SC | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466729 | 32351946 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | 741 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/02/2025 | 2 C B |  | SC | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466729 | 32351951 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 01/02/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466698 | 32569256 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/11/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304466698 | 32569274 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Borrower has lived in the subject for 6 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/27/2025 | 2 C B |  | KY | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304466669 | 32350373 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/27/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466669 | 32350400 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/13/2024 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466668 | 32350467 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/16/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466668 | 32350570 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466668 | 32350571 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466668 | 32350573 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx |  | 01/07/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304466668 | 32353661 |  | Credit | Guideline | Guideline Issue | Guideline | Subordinate liens are not permitted. | Program: ___ | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has been with current employer for 16 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/13/2025 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466617 | 32350149 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466587 | 32568910 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/11/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466587 | 32568952 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466587 | 32568953 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466587 | 32623040 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 01/15/2025 |  |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466652 | 32350420 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | WV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466720 | 32350535 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466709 | 32363161 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466709 | 32363300 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 B A C |  | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304466709 | 32363301 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 46.58180% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has been with current employer for 13 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/26/2024 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466709 | 32363302 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466709 | 32363303 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466709 | 32363305 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) |  |  |  |  | xxxx |  | 01/07/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304466709 | 32363309 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has been with current employer for 13 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/26/2024 | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466709 | 32363315 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466632 | 32569020 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/11/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466631 | 32362882 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466661 | 32350200 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466661 | 32350277 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466661 | 32350278 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466661 | 32350279 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466661 | 32350281 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466661 | 32350282 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466661 | 32350283 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466661 | 32350284 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304466661 | 32350285 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466661 | 32350287 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A C |  | NE | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304466661 | 32350288 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466730 | 32365002 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466710 | 32363661 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466693 | 32363149 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/13/2024 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466693 | 32363165 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466615 | 32365268 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466700 | 32362993 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466665 | 32364875 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466665 | 32364876 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466665 | 32413034 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466626 | 32363175 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466613 | 32368316 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466613 | 32368333 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | VA Verification of Benefits document not provided. |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466613 | 32368404 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466613 | 32368405 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466613 | 32368406 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466613 | 32413070 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Disclosure Not Provided) | Maryland Covered Loan: Home Counseling Disclosure to provide home buyer education was not provided to borrower. |  |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466613 | 32413071 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Agencies Not Provided) | Maryland Covered Loan: Home Counseling a list of county approved agencies to provide home buyer education was not provided to borrower. |  |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466613 | 32413072 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466588 | 32368662 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466727 | 32362383 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466727 | 32362392 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466718 | 32366749 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466718 | 32366768 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C A B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466706 | 32368216 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466706 | 32368264 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466706 | 32368283 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/17/2025 |  |  | 1 B A C |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304466706 | 32368284 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (2024). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2024) (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466697 | 32366608 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466697 | 32366630 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466659 | 32363779 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466598 | 32413174 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Good credit, employment history and low CLTV | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/13/2024 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466598 | 32414434 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466606 | 32366713 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 12/28/2024 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466702 | 32370540 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466702 | 32370562 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has verified disposable income of at least $2500.00. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC | xxxx |  |  | 12/13/2024 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466670 | 32370325 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/04/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466603 | 32371864 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466603 | 32422215 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466603 | 32422216 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 B A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466603 | 32422217 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466603 | 32422218 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466603 | 32422219 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466603 | 32422220 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466603 | 32422221 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466603 | 32422222 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304466603 | 32422223 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 02/17/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466603 | 32422224 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466603 | 32422228 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304466713 | 32373020 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466699 | 32371381 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466699 | 32371471 |  | Compliance | Compliance | City / Local Compliance | State Defect | (City High Cost) xxxx Threshold Loan (Points and Fees) | City of xxxx Anti-Predatory Lending Ordinance: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the City Total Loan Amount. Points and Fees total $xxxx on a City Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466699 | 32371472 |  | Compliance | Compliance | County Compliance | State Defect | (County High Cost) xxxx County Threshold Loan (Points and Fees) | xxxx County Predatory Lending Ordinance: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the County Total Loan Amount. Points and Fees total $xxxx on a County Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466686 | 32569122 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/11/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466686 | 32569139 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 01/13/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466610 | 32372199 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466610 | 32372229 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466725 | 32371506 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466725 | 32371533 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/23/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466725 | 32428465 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | 741 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/13/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466725 | 32428481 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 01/13/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304466725 | 32428482 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 45.04014% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | 741 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/13/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466725 | 32428483 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 01/13/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466716 | 32371572 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466673 | 32374315 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466650 | 32371458 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304466650 | 32432698 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 12.03018% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/17/2024 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304466733 | 32568995 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/11/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466712 | 32398811 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466703 | 32377957 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466641 | 32377361 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466640 | 32373472 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466594 | 32371331 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304466732 | 32371783 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466714 | 32374925 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466714 | 32374958 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/23/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466704 | 32372312 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466704 | 32375082 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 01/13/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466704 | 32375100 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 01/13/2025 |  |  | 1 B A C |  | UT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304466695 | 32374363 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304466683 | 32375963 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304466683 | 32429339 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Co-borrower with same employer for 5 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/17/2024 | 2 B |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304466663 | 32415263 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466595 | 32415685 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466715 | 32415467 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466681 | 32415292 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466671 | 32415986 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466644 | 32416336 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466635 | 32370618 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466635 | 32419092 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466607 | 32416628 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466607 | 32580634 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 01/08/2025 |  |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466646 | 32416743 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304466646 | 32416834 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 01/29/2025 |  | 2 C B |  | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Non QM | Non QM | Yes |
| 304466726 | 32415653 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466726 | 32415661 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 12/23/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466726 | 32432112 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing evidence of a new auto loan with xxxx reflecting a balance of $xxxx and a payment of $xxxx. |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466717 | 32416392 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466707 | 32415380 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466707 | 32432423 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 12/31/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466707 | 32432426 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 12/31/2024 |  |  | 1 B A C |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304466707 | 32432427 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 49.46178% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 12/31/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466707 | 32432428 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 12/31/2024 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304466643 | 32417238 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | NM | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304466642 | 32415265 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/06/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304466623 | 32569917 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 01/11/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304416199 | 32364913 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  |  |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304458237 | 32375343 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304458237 | 32375423 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s). |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304470338 | 32416965 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304470338 | 32416966 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304470338 | 32459179 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. |  |  |  |  | xxxx | 12/20/2024 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304470338 | 32459182 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 12/20/2024 |  |  | 1 B A C |  | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Non QM | Yes |
| 304470338 | 32461163 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304459044 | 32419726 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 12/21/2024 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  |  | N/A | N/A | No |
| 304459044 | 32419766 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/21/2024 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  |  | N/A | N/A | No |
| 304428750 | 32419555 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 12/20/2024 |  |  | 1 B A C |  | NE | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304428750 | 32458419 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | NE | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304440090 | 32422058 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 12/21/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304443144 | 32426557 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 12/24/2024 |  |  | 1 B A C |  | AL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304443144 | 32485173 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | AL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304439335 | 32427252 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304439335 | 32427253 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not signed by lender at or before closing. | xxxx |  |  |  | xxxx |  | 03/12/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304439335 | 32427254 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304427779 | 32425478 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | NM | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304443146 | 32429544 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 B A C |  | UT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304443146 | 32492753 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | UT | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304458315 | 32428352 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426443 | 32453987 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304426443 | 32453988 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304459797 | 32455338 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 12/30/2024 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304432864 | 32459585 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 12/30/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304461902 | 32455671 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 12/31/2024 |  |  | 1 B A C |  | ID | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 304461902 | 32455672 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |  |  |  | xxxx | 12/31/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304461902 | 32519022 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | ID | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304462128 | 32454842 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | xxxx |  |  |  | xxxx | 12/26/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304422865 | 32467613 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304422865 | 32467615 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304422865 | 32467616 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | Texas Constitution Section 50(a)(6): TX 50(a)(6) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under TX 50(a)(1)-(5) or (8). Unable to determine purpose of additional debt secured by the homestead. | xxxx |  |  |  | xxxx | 01/03/2025 |  |  | 1 B A |  | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304457951 | 32467576 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 01/22/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304469937 | 32467931 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 01/22/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304456470 | 32509785 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/31/2024 | 2 B |  | NC | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304443088 | 32512091 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304425049 | 32510045 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 01/16/2025 |  |  | 1 C A |  | OR | Second Home | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304470288 | 32538253 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 01/24/2025 |  |  | 1 C A |  | CA | Second Home | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442643 | 32538756 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442643 | 32538757 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. | xxxx |  |  |  | xxxx | 01/15/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304442643 | 32538758 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442643 | 32538761 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304466796 | 32538553 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 01/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304466796 | 32545377 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304442461 | 32547411 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304460961 | 32570175 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304460961 | 32570176 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304460961 | 32570177 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | xxxx |  |  |  | xxxx | 01/10/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304468374 | 32583830 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 01/07/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304475090 | 32591789 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 01/09/2025 |  |  | 1 B A C |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 304475090 | 32591790 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |  |  |  | xxxx | 01/09/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304475090 | 32603761 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304458314 | 32596843 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304466781 | 32591708 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 01/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304470334 | 32591498 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 01/09/2025 |  |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | C A B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304470334 | 32591510 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 01/09/2025 |  |  | 1 B A |  | AZ | Primary | Refinance - Cash-out - Other | C A B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304470334 | 32591526 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 01/09/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304469974 | 32591757 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 01/08/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304457469 | 32592968 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 01/10/2025 |  |  | 1 B A C |  | NH | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304457469 | 32597555 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has been with current employer for 5 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/09/2025 | 2 B |  | NH | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304457469 | 32615217 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | NH | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304484498 | 32710627 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484498 | 32710628 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484498 | 32710630 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) |  |  |  |  | xxxx |  | 03/05/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304484502 | 32709914 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has owned the subject property for at least 5 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/30/2025 | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484492 | 32711271 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 03/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484492 | 32711409 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484443 | 32614190 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484443 | 32614191 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484443 | 32614192 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484443 | 32614193 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484443 | 32614194 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484443 | 32614195 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484443 | 32614196 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304484443 | 32614197 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484443 | 32614199 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304484443 | 32614200 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484407 | 32631044 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484407 | 32631045 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484402 | 32624413 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 01/22/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304484402 | 32629905 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Good employment history and low DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/13/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304484402 | 32630020 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 01/22/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304484395 | 32713946 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 02/16/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484395 | 32713951 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/16/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484395 | 32713952 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/16/2025 |  |  | 1 B A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484395 | 32713953 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 02/16/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484395 | 32713954 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 54.94450% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 02/16/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484395 | 32713961 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 02/16/2025 |  |  | 1 B A C |  | CT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304484395 | 32713993 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 02/16/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484485 | 32710608 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304484485 | 32710609 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484485 | 32710620 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484485 | 32710621 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484485 | 32710622 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484485 | 32710623 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484485 | 32710624 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304484334 | 32660449 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484518 | 32711617 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484513 | 32616638 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/30/2025 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304484322 | 32632877 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484322 | 32632878 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484322 | 32632893 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484322 | 32632894 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484322 | 32632895 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484322 | 32632896 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304484322 | 32632897 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484322 | 32632898 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A C |  | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304484322 | 32632899 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484322 | 32632901 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484373 | 32713543 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484417 | 32710645 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 B A C |  | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304484417 | 32710646 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484353 | 32624424 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484353 | 32624425 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484353 | 32624427 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx | 01/22/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304484353 | 32624441 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  |  |  |  |  | xxxx | 01/22/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484353 | 32626457 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. | xxxx |  |  |  | xxxx | 01/22/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304484316 | 32653250 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484506 | 32710909 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has owned the subject property for at least 5 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/27/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484517 | 32712284 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | xxxx |  |  |  | xxxx | 02/04/2025 |  |  | 1 D A |  | AZ | Primary | Refinance - Cash-out - Other | D A C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484517 | 32712436 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D A C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484517 | 32712437 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 03/18/2025 |  |  | 1 B A |  | AZ | Primary | Refinance - Cash-out - Other | D A C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484517 | 32712438 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. | xxxx |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D A C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484517 | 32712439 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D A C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484517 | 32712440 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. | xxxx |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D A C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484517 | 32712442 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |  |  |  | xxxx | 03/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | D A C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484517 | 32712443 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 03/18/2025 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status D C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304484517 | 32777843 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 03/18/2025 |  |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | D A C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484409 | 32638089 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 03/08/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484490 | 32718227 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 03/07/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484330 | 32633927 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484330 | 32633959 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 B A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484330 | 32633960 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484330 | 32633961 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484330 | 32633962 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484330 | 32633963 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484330 | 32633964 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484330 | 32633965 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304484330 | 32633966 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484330 | 32633968 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 B A C |  | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304484330 | 32633969 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484330 | 32633970 |  | Compliance | Compliance | State Compliance | State Defect | Nevada Home Loan (Home Loan Legend Not on Security Instrument) | Nevada Home Loan: Mortgage, Deed, or other instrument does not expressly indicate that loan is a "home loan" in at least 14 point font. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 B A |  | NV | Primary | Refinance - Cash-out - Other | No obvious cure C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484330 | 32648644 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing evidence of an installment loan to xxxx with a monthly payment of $xxxx. |  |  |  | xxxx | 01/27/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484376 | 32648478 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484433 | 32634751 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484433 | 32634752 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) |  |  |  |  | xxxx | 03/05/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304484335 | 32713014 |  | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. |  |  |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484511 | 32718327 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304484505 | 32711578 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484467 | 32628116 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484467 | 32628117 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484467 | 32628118 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484467 | 32628119 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304484467 | 32628120 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484467 | 32628122 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484467 | 32628124 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A C |  | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304484467 | 32632037 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 01/22/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484371 | 32714324 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484371 | 32714325 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484313 | 32627464 |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans Disclosure not properly executed. | xxxx |  |  |  | xxxx | 01/22/2025 |  |  | 1 C A |  | RI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484414 | 32711543 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484399 | 32635796 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484497 | 32715703 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 02/05/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484363 | 32634876 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 01/22/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304484301 | 32626544 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 01/15/2025 |  |  | 1 B A C |  | OH | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304484301 | 32650366 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | OH | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304484377 | 32713745 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484377 | 32713746 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484508 | 32626851 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 01/21/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304484508 | 32628193 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 02/05/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Non QM | Non QM | Yes |
| 304484508 | 32628194 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, paystub provided was dated more than 90 days prior to closing. | xxxx |  |  |  | xxxx | 02/05/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304484508 | 32628195 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 02/05/2025 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304484515 | 32614230 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 02/02/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304484515 | 32615025 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 02/02/2025 |  |  | 1 B A C |  | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C |  |  | Non QM | Non QM | Yes |
| 304484515 | 32615026 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 02/02/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304484515 | 32615027 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 45.81049% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 02/02/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304484465 | 32713896 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/27/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484465 | 32718535 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 02/05/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304472800 | 32603397 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304456444 | 32635345 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304456444 | 32635346 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | xxxx |  |  |  | xxxx | 02/06/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304442472 | 32637642 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 01/16/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304442472 | 32637643 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx |  |  |  | xxxx | 01/16/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304475082 | 32653410 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 01/17/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304475082 | 32653412 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 01/17/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304475082 | 32666271 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304481010 | 32660532 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | xxxx |  |  |  | xxxx | 01/24/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304471665 | 32661203 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 01/21/2025 |  |  | 1 B A C |  | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304471665 | 32661204 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 60.88105% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 01/21/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304471665 | 32661206 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 01/21/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304471665 | 32661220 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 01/21/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304477466 | 32672274 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304477466 | 32678302 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | 781 credit score, minimum required is 700. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/21/2025 | 2 B |  | CT | Primary | Refinance - Cash-out - Other | B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304472415 | 32676532 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 01/22/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304472375 | 32671656 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 01/22/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304475190 | 32673872 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304473610 | 32672290 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 01/22/2025 |  |  | 1 B A C |  | NM | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304473610 | 32691020 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | NM | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304481552 | 32671609 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 01/22/2025 |  |  | 1 B A C |  | IN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 304481552 | 32671610 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |  |  |  | xxxx | 01/22/2025 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304481552 | 32682550 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | IN | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304462331 | 32672430 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. |  |  |  |  | xxxx | 01/22/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304462331 | 32672431 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 01/22/2025 |  |  | 1 B A C |  | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 304462331 | 32672927 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 01/24/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304462331 | 32685183 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304509941 | 32719815 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304509956 | 32732770 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510051 | 32720485 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | WY | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510051 | 32720528 |  | Compliance | Compliance | State Compliance | Misc. State Level | Wyoming Uniform Consumer Credit Code (Statement of Rate Not Provided) | Wyoming Uniform Consumer Credit Code: Lender did not provide borrower with accurate statement of rate. |  |  |  |  |  |  |  |  | 2 B |  | WY | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510030 | 32728991 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510032 | 32729485 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510076 | 32724098 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510076 | 32726190 |  | Credit | Missing Document | General | Missing Document | Missing Document: Credit Card Statement not provided |  | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510117 | 32720364 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510046 | 32729771 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510046 | 32733857 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | ID | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510046 | 32733859 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | ID | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510136 | 32721781 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510136 | 32724319 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 03/05/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510136 | 32724320 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 03/05/2025 |  |  | 1 B A |  | VA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510136 | 32724321 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 03/05/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510136 | 32724322 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510136 | 32724323 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510136 | 32724324 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510136 | 32724325 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510136 | 32724326 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510136 | 32724328 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 03/05/2025 |  |  | 1 B A C |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510136 | 32724329 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510136 | 32726596 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 47.54092% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510136 | 32726600 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has lived in subject for 8 years. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/05/2025 | 2 C B |  | VA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510136 | 32726613 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510136 | 32827415 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 45.47974% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00. | Borrower has lived in subject for 8 years. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/05/2025 | 2 B |  | VA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510136 | 32827416 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 03/05/2025 |  |  | 1 A |  | VA | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510230 | 32721749 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | WV | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510230 | 32741920 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/07/2025 |  | 2 C B |  | WV | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510230 | 32741923 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/07/2025 |  | 2 C B |  | WV | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510206 | 32720430 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510217 | 32721836 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510171 | 32720948 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304510171 | 32744063 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | UT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B |  |  | Non QM | Non QM | Yes |
| 304510171 | 32744064 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | UT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B |  |  | Non QM | Non QM | Yes |
| 304510186 | 32724001 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 03/10/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510186 | 32724012 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510188 | 32721068 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/06/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304510188 | 32721069 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 02/06/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304510188 | 32734689 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304510066 | 32719772 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510208 | 32720140 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510208 | 32720150 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510222 | 32719653 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510259 | 32722555 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509948 | 32729426 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510056 | 32722207 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510056 | 32722283 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304509945 | 32722850 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510042 | 32721748 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304509989 | 32719758 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509991 | 32719863 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510074 | 32720157 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510114 | 32729693 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510146 | 32723063 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510146 | 32723064 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510146 | 32723065 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510146 | 32723066 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510146 | 32723067 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510146 | 32723069 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510146 | 32723070 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510146 | 32723125 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510224 | 32724069 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510224 | 32724103 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510224 | 32724104 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510224 | 32724105 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510224 | 32724106 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510224 | 32724107 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510224 | 32724108 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510224 | 32724109 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510224 | 32724110 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510224 | 32724112 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510224 | 32724114 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A C |  | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510172 | 32729610 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510157 | 32729687 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510164 | 32722529 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510166 | 32729124 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The Guidelines require the most recent year W2 to document income, the file is missing a W2. |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510166 | 32729125 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510203 | 32725030 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510218 | 32724561 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510218 | 32724600 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/29/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510016 | 32720065 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | ND | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510043 | 32723237 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510063 | 32723331 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | MT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510065 | 32722394 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510001 | 32729617 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510176 | 32720066 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | AK | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510080 | 32720378 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | NM | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510080 | 32726527 |  | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided |  | xxxx |  |  |  | xxxx | 01/31/2025 |  |  | 1 C A |  | NM | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510082 | 32720342 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510082 | 32720343 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510082 | 32720349 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510128 | 32720497 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510145 | 32728748 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510256 | 32725521 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510256 | 32725522 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510256 | 32740088 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510267 | 32720791 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510267 | 32720846 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510267 | 32720847 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 B A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510267 | 32720848 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 03/25/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510267 | 32720849 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510267 | 32720850 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510267 | 32720851 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510267 | 32720852 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510267 | 32720853 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (ATR - Income: Wages / W-2) | 2014 High-Cost Mortgage (Closed-end ATR): Unable to verity income due to, paystub provided was dated more than 90 days prior to closing. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510267 | 32720855 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, paystub provided was dated more than 90 days prior to closing. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510267 | 32720856 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510267 | 32720857 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 B A C |  | MS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510267 | 32720858 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510267 | 32827489 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, paystub provided was dated more than 90 days prior to closing. |  |  |  |  | xxxx | 03/25/2025 |  |  | 1 A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510190 | 32724315 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510175 | 32729061 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510089 | 32721066 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510091 | 32724344 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510202 | 32728671 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510204 | 32729013 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510221 | 32723194 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304509976 | 32729619 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 03/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509976 | 32729622 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 01/31/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510019 | 32725177 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509978 | 32726195 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 03/03/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304509978 | 32728116 |  | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided |  | xxxx |  |  |  | xxxx | 01/31/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510047 | 32720360 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509954 | 32723860 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509967 | 32719854 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 03/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510079 | 32721171 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510079 | 32721173 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510079 | 32721174 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510079 | 32721175 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510079 | 32721176 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510079 | 32721177 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510079 | 32721178 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510079 | 32721179 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510079 | 32721180 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510079 | 32721183 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510079 | 32721184 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510079 | 32721191 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510079 | 32721224 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 02/06/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510093 | 32722351 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510131 | 32729362 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510131 | 32729497 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510131 | 32729498 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510131 | 32729501 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510142 | 32720388 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510059 | 32724694 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510059 | 32724715 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | xxxx |  |  |  | xxxx | 02/14/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510102 | 32719817 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510104 | 32724222 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510104 | 32724243 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | xxxx |  |  |  | xxxx | 02/05/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510244 | 32729071 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510072 | 32719918 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510083 | 32729372 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510083 | 32729380 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 02/06/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510083 | 32729448 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510083 | 32729449 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510083 | 32729450 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510083 | 32729451 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Non QM | Non QM | Yes |
| 304510083 | 32729452 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510158 | 32729258 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510098 | 32724830 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510125 | 32724931 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/09/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510125 | 32725003 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 02/06/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510125 | 32725046 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C |  |  | Non QM | Non QM | Yes |
| 304510125 | 32725047 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 56.45591% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510125 | 32725048 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510272 | 32722275 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510201 | 32726120 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510201 | 32736022 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510201 | 32736023 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304509943 | 32726432 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510024 | 32727142 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509987 | 32729627 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 03/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304509977 | 32720577 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 03/03/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510045 | 32728849 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510045 | 32734337 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510033 | 32729860 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510033 | 32729861 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (2024). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2024) (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510057 | 32728852 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510111 | 32729822 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | AK | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510111 | 32734434 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | AK | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510111 | 32814116 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 A |  | AK | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510048 | 32725229 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510048 | 32725240 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510048 | 32725241 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510048 | 32725242 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510048 | 32725243 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510048 | 32725244 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510048 | 32725245 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510050 | 32719939 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510110 | 32720119 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510110 | 32720120 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510110 | 32720121 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510110 | 32720122 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (2015 Counseling Requirement) | Truth in Lending Act (HOEPA): Pre-loan counseling requirements not met. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510110 | 32720124 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 B A C |  | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510110 | 32720125 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510110 | 32720128 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510110 | 32720131 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510153 | 32720480 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510261 | 32725516 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510261 | 32725682 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510261 | 32725683 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510261 | 32725684 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510261 | 32725685 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510261 | 32725686 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510261 | 32725687 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510261 | 32725692 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510261 | 32725693 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510262 | 32724345 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510108 | 32729240 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510108 | 32729288 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510108 | 32729289 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510115 | 32722004 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510115 | 32722059 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510115 | 32722060 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510115 | 32722062 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx |  | 02/14/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510189 | 32721546 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304510189 | 32740961 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/10/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B |  |  | Non QM | Non QM | Yes |
| 304510189 | 32740962 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/10/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B |  |  | Non QM | Non QM | Yes |
| 304509962 | 32731943 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509962 | 32732095 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509962 | 32732096 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509962 | 32732099 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx | 02/06/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304509962 | 32732647 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510061 | 32731537 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509951 | 32722408 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510036 | 32720428 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510008 | 32722928 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 03/03/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510008 | 32723074 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510008 | 32723075 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510023 | 32720873 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510025 | 32729954 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510161 | 32721755 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510149 | 32730447 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510149 | 32730452 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510156 | 32724812 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510096 | 32720546 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304510096 | 32720562 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 02/05/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304510096 | 32732760 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | AL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B |  |  | Non QM | Non QM | Yes |
| 304510096 | 32732761 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | AL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B |  |  | Non QM | Non QM | Yes |
| 304510211 | 32732117 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510211 | 32732126 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510184 | 32722736 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510184 | 32722737 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510184 | 32722738 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510184 | 32722739 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510184 | 32722740 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510184 | 32722741 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510184 | 32722742 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510184 | 32722743 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510184 | 32722745 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510184 | 32722746 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510184 | 32722754 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510205 | 32723755 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510205 | 32736516 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/05/2025 |  | 2 C B |  | SC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510205 | 32736517 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/05/2025 |  | 2 C B |  | SC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510130 | 32731474 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/09/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510132 | 32720976 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510178 | 32720614 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510178 | 32727757 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 03/06/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510178 | 32727763 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 62.08931% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 03/06/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510178 | 32727764 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 03/06/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510178 | 32727782 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 03/06/2025 |  |  | 1 B A C |  | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510178 | 32732300 |  | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided |  | xxxx |  |  |  | xxxx | 02/05/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510232 | 32730519 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510234 | 32723902 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | WV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510257 | 32723288 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304509961 | 32731049 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 03/03/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510012 | 32720541 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510006 | 32730733 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509990 | 32729957 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304509964 | 32721051 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 03/03/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304509966 | 32768265 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 03/03/2025 |  |  | 1 C A |  | NM | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510054 | 32721136 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510054 | 32721269 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510069 | 32729689 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510069 | 32730011 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510069 | 32730012 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 B A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510069 | 32730013 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510069 | 32730014 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510069 | 32730015 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510069 | 32730016 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510069 | 32730017 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510069 | 32730018 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510069 | 32730020 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510069 | 32730033 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 B A C |  | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510069 | 32730096 |  | Compliance | Compliance | State Compliance | State Defect | Nevada Home Loan (Home Loan Legend Not on Security Instrument) | Nevada Home Loan: Mortgage, Deed, or other instrument does not expressly indicate that loan is a "home loan" in at least 14 point font. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 B A |  | NV | Primary | Refinance - Cash-out - Other | No obvious cure C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510099 | 32723026 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510150 | 32724303 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 B A C |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510150 | 32724304 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 78.90802% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510150 | 32724305 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510150 | 32724317 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510150 | 32724364 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510150 | 32724392 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510122 | 32722470 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/09/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510122 | 32722694 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 02/13/2025 |  |  | 1 B A C |  | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510122 | 32843369 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510133 | 32721688 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510250 | 32729106 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510213 | 32720743 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510245 | 32727679 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304510245 | 32737908 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | IA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B |  |  | Non QM | Non QM | Yes |
| 304510245 | 32737909 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | IA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B |  |  | Non QM | Non QM | Yes |
| 304510198 | 32731058 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510223 | 32730907 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304509973 | 32722474 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 03/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510039 | 32730417 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510029 | 32730030 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510004 | 32721829 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304509959 | 32730864 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 03/03/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509997 | 32729471 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510064 | 32724597 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510129 | 32720916 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/09/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510143 | 32720808 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510143 | 32721192 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510143 | 32721193 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/11/2025 |  |  | 1 B A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510143 | 32721194 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510143 | 32721195 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510143 | 32721196 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510143 | 32721197 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510143 | 32721198 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510143 | 32721200 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510143 | 32721203 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 B A C |  | MS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510174 | 32724453 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510170 | 32724252 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510170 | 32724260 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510170 | 32732129 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510170 | 32732131 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) |  |  |  |  | xxxx |  | 02/14/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510170 | 32732132 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/05/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510170 | 32732133 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/05/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510274 | 32730615 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510281 | 32720653 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510281 | 32720918 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/03/2025 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510101 | 32728685 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510163 | 32725381 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/09/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510163 | 32731926 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510163 | 32731927 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510163 | 32731928 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) |  |  |  |  | xxxx |  | 02/14/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510177 | 32727040 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/09/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510177 | 32731683 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | xxxx | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 10 plus years in current residence. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/29/2025 | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510238 | 32723731 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/09/2025 |  |  | 1 C A |  | MT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510251 | 32726177 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/09/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510251 | 32726224 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510251 | 32726225 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510031 | 32721092 |  | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. |  |  |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510031 | 32721613 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304509970 | 32721405 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509970 | 32721406 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509970 | 32721408 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx |  | 02/14/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304509970 | 32721475 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 03/03/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510040 | 32721485 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510126 | 32730483 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/09/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510073 | 32725375 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/09/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510073 | 32725399 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510073 | 32725400 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510073 | 32743751 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | MD | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510073 | 32743752 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | MD | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510127 | 32724410 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/09/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510127 | 32724646 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | xxxx |  |  |  | xxxx | 02/06/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510192 | 32732924 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/09/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510192 | 32733082 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 02/15/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510192 | 32733109 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510192 | 32733110 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (2024). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2024) (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510192 | 32814189 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510199 | 32726547 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/09/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510209 | 32724230 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/09/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510209 | 32737949 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) |  |  |  |  | xxxx |  | 02/14/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510209 | 32737950 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510209 | 32737951 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510246 | 32725865 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/09/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510246 | 32737982 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510246 | 32737983 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510246 | 32814198 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510255 | 32732436 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510268 | 32724413 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510268 | 32744886 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/10/2025 |  | 2 C B |  | MO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510268 | 32744887 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/10/2025 |  | 2 C B |  | MO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510270 | 32724684 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/09/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510270 | 32745594 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 02/05/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509993 | 32730649 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 03/03/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509993 | 32730753 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509993 | 32730754 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509993 | 32730755 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509993 | 32730756 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509993 | 32730757 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304509993 | 32730758 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509993 | 32730760 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A C |  | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304509993 | 32730761 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/19/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509993 | 32730764 |  | Compliance | Compliance | State Compliance | State Defect | Nevada Home Loan (Home Loan Legend Not on Security Instrument) | Nevada Home Loan: Mortgage, Deed, or other instrument does not expressly indicate that loan is a "home loan" in at least 14 point font. |  |  |  |  | xxxx | 02/19/2025 |  |  | 1 B A |  | NV | Primary | Refinance - Cash-out - Other | No obvious cure C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510011 | 32727704 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304509974 | 32732118 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 03/03/2025 |  |  | 1 C A |  | WY | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509995 | 32725924 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304509955 | 32731863 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304509955 | 32835616 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 02/24/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510179 | 32725002 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510067 | 32723059 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510068 | 32721742 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510280 | 32724736 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/08/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510280 | 32724757 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | xxxx |  |  |  | xxxx | 03/26/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510280 | 32724792 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510280 | 32724793 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510097 | 32768172 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | NH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510097 | 32768178 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 C A |  | NH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510216 | 32728918 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510103 | 32729740 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510118 | 32730117 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510118 | 32730209 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510118 | 32730210 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510118 | 32730211 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510118 | 32730212 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510118 | 32730213 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510118 | 32730215 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510118 | 32730217 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 B A C |  | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510118 | 32730218 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510135 | 32728408 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510187 | 32724689 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510187 | 32724690 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510187 | 32724707 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510237 | 32729244 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510252 | 32724859 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510269 | 32722325 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510269 | 32722353 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510269 | 32745506 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510269 | 32745507 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/18/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510269 | 32745508 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510269 | 32745509 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510269 | 32745510 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510269 | 32745511 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510269 | 32745512 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510269 | 32745513 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510269 | 32745514 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510269 | 32745515 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510269 | 32745521 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304510041 | 32722867 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510002 | 32721969 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510000 | 32722066 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510037 | 32720807 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510052 | 32722803 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510088 | 32726965 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510088 | 32727008 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510092 | 32723840 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510141 | 32721510 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510119 | 32727227 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | NH | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510276 | 32730863 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510279 | 32722130 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510140 | 32728268 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510140 | 32814102 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 02/12/2025 |  |  | 1 A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304510239 | 32724758 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304510154 | 32731492 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510154 | 32731706 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510154 | 32731707 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510154 | 32731709 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx |  | 02/19/2025 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510233 | 32728579 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510240 | 32730078 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510240 | 32730292 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. |  | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Good credit and low ratios. Borrower has good employment history | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/30/2025 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510240 | 32744498 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | OH | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510240 | 32744499 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/06/2025 |  | 2 C B |  | OH | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304510240 | 32814103 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 03/05/2025 |  |  | 1 A |  | OH | Primary | Refinance - Cash-out - Other | C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304510247 | 32728629 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304484585 | 32735900 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304437714 | 32732278 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 01/31/2025 |  |  | 1 B A C |  | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304437714 | 32732279 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 02/01/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304437714 | 32756822 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | NV | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304482941 | 32752063 |  | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided |  | xxxx |  |  |  | xxxx | 02/06/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304476591 | 32748309 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304484890 | 32753362 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 02/03/2025 |  |  | 1 C A |  | NM | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304484890 | 32753372 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/05/2025 |  |  | 1 B A C |  | NM | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304484890 | 32753373 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 02/05/2025 |  |  | 1 C A |  | NM | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304489925 | 32766831 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Required property condition report was not provided |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304486059 | 32772115 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 02/15/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304481557 | 32775553 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304481557 | 32775554 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304492696 | 32776550 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304490470 | 32776578 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304490470 | 32776579 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | xxxx |  |  |  | xxxx | 02/04/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304632017 | 32786947 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304632017 | 32786948 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304632017 | 32786975 |  | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $xxxx does not match calculated P&I of $xxxx. Note P&I was used for the APR calculation and compliance testing. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304480892 | 32797796 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | LA | Second Home | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304481572 | 32807939 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304481572 | 32807940 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304481574 | 32809523 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 02/14/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  |  | N/A | N/A | No |
| 304493814 | 32807898 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 B A C |  | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304493814 | 32814051 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | MO | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304635152 | 32906735 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635085 | 32906874 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/21/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635085 | 32906875 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | xxxx | 02/21/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635085 | 32906876 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |  |  |  | xxxx | 02/21/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635085 | 32906877 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/21/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635085 | 32906878 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/21/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635085 | 32906879 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 02/21/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635085 | 32906880 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 02/21/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304635085 | 32906881 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 02/21/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635085 | 32906883 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/21/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304635085 | 32906884 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/21/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635093 | 32907443 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635093 | 32907455 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 03/03/2025 |  |  | 1 B A C |  | AL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304635093 | 32966682 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | AL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635141 | 32906999 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635256 | 32822317 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635256 | 32822398 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635256 | 32822399 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635296 | 32907155 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635300 | 32907436 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635300 | 32907477 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635265 | 32906940 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635270 | 32906893 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635441 | 32908424 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635239 | 32906856 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635251 | 32907408 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | ND | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635261 | 32822679 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635358 | 32907038 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635360 | 32907488 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635301 | 32907855 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304635087 | 32907822 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | WI | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635087 | 32907824 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635169 | 32907322 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635086 | 32907449 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635099 | 32936382 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635099 | 32936394 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635293 | 32907354 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635306 | 32907946 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635306 | 32908058 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635306 | 32908059 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635317 | 32907099 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635317 | 32907132 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 02/21/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635317 | 32907133 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 02/21/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635317 | 32907134 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 02/21/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635317 | 32907135 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 02/21/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304635317 | 32907136 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 02/21/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635317 | 32907138 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/21/2025 |  |  | 1 B A C |  | KS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304635317 | 32907139 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 02/21/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635408 | 32822516 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304635400 | 32908519 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635411 | 32907658 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635440 | 32809012 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635440 | 32809057 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/13/2025 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635448 | 32935914 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | 740 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/25/2025 | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635111 | 32909209 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635242 | 32907659 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635291 | 32814863 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304635331 | 32909248 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635351 | 32908982 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | LA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635311 | 32909166 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635404 | 32907923 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635405 | 32914266 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635305 | 32909910 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | HI | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635305 | 32937754 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 A |  | HI | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635092 | 32935973 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635102 | 32911745 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635102 | 32911765 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635170 | 32822513 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | OK | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635130 | 32912232 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635104 | 32912012 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635175 | 32911775 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304635243 | 32822414 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/25/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635243 | 32826628 |  | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided |  | xxxx |  |  |  | xxxx | 02/25/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635315 | 32915029 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635424 | 32915043 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635346 | 32910955 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635377 | 32814332 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | xxxx |  |  |  | xxxx | 02/24/2025 |  |  | 1 B A |  | VA | Primary | Refinance - Cash-out - Other | C A B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635377 | 32814351 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635420 | 32915170 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635160 | 32915147 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | DC | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635287 | 32915157 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635353 | 32910064 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Award Letter is missing. |  |  |  | xxxx | 03/07/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635353 | 32910087 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635292 | 32814807 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304635429 | 32910519 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635429 | 32910567 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635429 | 32911420 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing 2023 W-2 which is required per guidelines. Less than 1 year income verified. There was no documentation from prior employer. |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635429 | 32913064 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635429 | 32913077 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 B A C |  | KS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304635429 | 32913078 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 215.07526% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635429 | 32913079 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | KS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635105 | 32915931 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635095 | 32916234 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B |  |  | Non QM | Non QM | Yes |
| 304635095 | 32916255 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A |  |  | Non QM | Non QM | No |
| 304635151 | 32916055 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635144 | 32917190 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635144 | 32917255 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a copy of the VA Verification of Benefits. |  |  |  | xxxx | 03/06/2025 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635124 | 32916564 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304635198 | 32915938 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635198 | 32919091 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635080 | 32915849 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635235 | 32916266 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635212 | 32917422 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635217 | 32916531 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635362 | 32916796 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635362 | 32956763 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635369 | 32916812 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635097 | 32917585 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635156 | 32939513 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635215 | 32917573 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635215 | 32917848 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635215 | 32917849 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635215 | 32917851 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx | 03/08/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304635216 | 32916371 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635297 | 32916530 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635297 | 32916583 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 03/08/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304635297 | 33000379 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | FL | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635326 | 32916164 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635329 | 32809051 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635364 | 32917909 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635364 | 32956628 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 03/23/2025 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635183 | 32916640 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635188 | 32917655 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635371 | 32822825 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635447 | 32908452 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635447 | 32908525 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 03/03/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304635447 | 32908526 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (2024). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2024) (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 03/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635378 | 32808051 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635378 | 32808268 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/11/2025 |  | 2 C B |  | VA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304635378 | 32808269 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 03/11/2025 |  | 2 C B |  | VA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304635378 | 32808271 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $9.00 exceeds tolerance of $7.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/07/2025 |  | 1 A |  | VA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304635378 | 32814026 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | xxxx |  |  |  | xxxx | 03/22/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635383 | 32916946 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635387 | 32814613 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635119 | 32908994 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635119 | 32909051 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635119 | 32909052 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635137 | 32917201 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635112 | 32916649 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635112 | 32916660 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635230 | 32909363 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635229 | 32917105 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635394 | 32916606 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635307 | 32908528 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635314 | 32920011 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635314 | 32920021 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635316 | 32917619 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635138 | 32823031 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635159 | 32919147 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635128 | 32908912 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | MS | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635114 | 32908291 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635173 | 32909263 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635131 | 32916698 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635223 | 32912172 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635334 | 32916765 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635406 | 32919388 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635150 | 32919149 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635146 | 32919123 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635147 | 32919246 |  | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. |  |  |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635147 | 32919343 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | AR | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635191 | 32920087 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635191 | 32920151 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635191 | 32920152 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635194 | 32919198 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635214 | 32822820 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635263 | 32822519 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635282 | 32918941 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635208 | 32918701 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635295 | 32920715 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635325 | 32920510 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635325 | 32930073 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635337 | 32808898 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635162 | 32918382 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635162 | 32918457 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 03/07/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635182 | 32920568 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635182 | 32920595 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | xxxx | 03/07/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635103 | 32917911 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635103 | 32918597 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | VA Verification of Benefits income document missing in file. |  |  |  | xxxx | 03/07/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635289 | 32920216 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635340 | 32918234 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635347 | 32919581 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304635232 | 32920646 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635356 | 32921639 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635349 | 32920573 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635354 | 32921099 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | DE | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635155 | 32918241 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635123 | 32920369 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635106 | 32918975 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/24/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635106 | 32918986 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635226 | 32917343 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635218 | 32918490 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635271 | 32917700 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635271 | 32931308 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 03/20/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635271 | 32931310 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 03/20/2025 |  |  | 1 B A C |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304635271 | 32931311 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 51.19473% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 03/20/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635271 | 32931312 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 03/20/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635274 | 32920319 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | DC | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635274 | 32920334 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | xxxx | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has verified disposable income of at least $2500.00. | 45.12322% HCLTV | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/18/2025 | 2 C B |  | DC | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635288 | 32919545 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304635299 | 32919023 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635397 | 32919727 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | DC | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635219 | 32919328 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635345 | 32919297 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304635345 | 32944595 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304635451 | 32923367 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304635451 | 32923368 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (2024). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2024) (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635453 | 32815169 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304635433 | 32923964 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304496673 | 32834931 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx | 02/13/2025 |  |  | 1 B A |  | DE | Second Home | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304495567 | 32832110 |  | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Tangible Net Benefit Disclosure | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower. | xxxx |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638670 | 32923307 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 03/08/2025 |  |  | 1 B A C |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304638670 | 32923311 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing. Sec ID: 4 |  | xxxx |  |  |  | xxxx | 03/26/2025 |  |  | 1 D A |  | PA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638670 | 32923314 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/27/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638670 | 33000360 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | PA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638719 | 32924031 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638746 | 32918266 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638900 | 32924001 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638902 | 32923989 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638844 | 32925568 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. |  | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | 31.56395% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/24/2025 | 2 C B |  | MD | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638844 | 32925578 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638844 | 32925590 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638844 | 32925591 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | C B |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638692 | 32923934 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638724 | 32936167 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. |  | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Low ratios, good credit and residual income | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/26/2025 | 2 B |  | MO | Primary | Refinance - Cash-out - Other | B A |  |  | Non QM | Non QM | No |
| 304638827 | 32929572 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 03/07/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638816 | 32927178 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638816 | 32927311 |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638816 | 32927312 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. C B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638816 | 32927314 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304638876 | 32923753 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638901 | 32927140 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638949 | 32924182 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 03/13/2025 |  |  | 1 B A C |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304638949 | 32924183 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 03/13/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638949 | 32924214 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 03/18/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638672 | 32924055 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638770 | 32943395 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 B A C |  | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304638770 | 33019847 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | NJ | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638754 | 32923988 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638716 | 32941733 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638716 | 32941738 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 B A C |  | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304638716 | 32941739 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 54.75601% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638716 | 32941740 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638678 | 32924641 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638678 | 32924768 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638790 | 32935500 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 03/18/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638790 | 32935501 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 B A C |  | KY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304638790 | 32935502 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 58.79678% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638790 | 32935503 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 03/25/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638800 | 32925683 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304638802 | 32935806 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638802 | 32952401 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 03/14/2025 |  |  | 1 A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638722 | 32924987 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 02/26/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638872 | 32941928 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 03/07/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638872 | 32941929 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 03/07/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638872 | 32941931 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 03/07/2025 |  |  | 1 C A |  | MD | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638912 | 32926388 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638912 | 32926389 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638908 | 32931093 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638908 | 32931094 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638795 | 32931733 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | VA income documentation for borrower was not provided |  |  |  | xxxx | 03/07/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638932 | 32932740 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | xxxx |  |  |  | xxxx | 03/14/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638823 | 32935846 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 03/13/2025 |  |  | 1 B A C |  | ID | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304638823 | 33036141 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | ID | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638922 | 32932259 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638775 | 32936492 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 03/17/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638696 | 32966731 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  |  |  |  |  | xxxx | 03/13/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C A |  |  | Non QM | Non QM | No |
| 304638815 | 32934279 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638950 | 32936045 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/03/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638950 | 32936050 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638952 | 32943404 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 03/14/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304638952 | 32943405 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 03/14/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304638824 | 32935574 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | 798 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/18/2025 | 2 C B |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638824 | 32966880 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304638843 | 32935236 |  | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided |  | xxxx |  |  |  | xxxx | 03/10/2025 |  |  | 1 C A |  | AL | Primary | Refinance - Cash-out - Other | C A |  |  | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304552725 | 32846408 |  | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. |  |  |  |  |  |  |  |  |  | 2 B |  | AR | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304498283 | 32852124 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | xxxx | 02/20/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304552713 | 32860500 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided |  | xxxx |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304495126 | 32857810 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 02/18/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304498296 | 32903013 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304498372 | 32909206 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/21/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304636375 | 32939075 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Required exterior property condition report is missing |  |  |  | xxxx | 03/17/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304497417 | 32933456 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304632851 | 32939077 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx |  |  |  | xxxx | 03/19/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304632851 | 32939078 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 02/28/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304639764 | 32974697 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing a copy of the required Property Condition Report |  |  |  | xxxx | 03/12/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304632692 | 32949179 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304495180 | 32958064 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | xxxx |  |  |  | xxxx | 03/05/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304572212 | 32986995 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304639763 | 32968084 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304494277 | 32967940 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 03/08/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304498338 | 32976688 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304636366 | 32984860 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304636366 | 33000339 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 03/11/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304636366 | 33000340 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 03/13/2025 |  |  | 1 B A C |  | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304636366 | 33000341 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 61.38630% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 03/13/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304636366 | 33000342 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 03/13/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304640020 | 32986886 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 03/13/2025 |  |  | 1 C A |  | ME | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304498515 | 32992929 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 03/12/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Higher Priced QM (APOR) | Non QM | Yes |
| 304498515 | 32992930 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |  |  |  | xxxx | 03/12/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304498515 | 33022728 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Higher Priced QM (APOR) | Non QM | No |
| 304643217 | 33011325 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 03/14/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304654691 | 33059995 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NC | Investment | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304643010 | 33060308 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MO | Primary | Refinance - Cash-out - Other | B A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304637675 | 33078949 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx |  |  |  | xxxx | 03/24/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B |  |  | Safe Harbor QM (APOR) | Non QM | Yes |
| 304637675 | 33078950 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |  |  |  | xxxx | 03/24/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304637675 | 33103731 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Refinance - Cash-out - Other | C B A |  |  | Safe Harbor QM (APOR) | Non QM | No |
| 304639785 | 33173947 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | xxxx |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304639785 | 33173959 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 04/02/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A |  |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## Exhibit 99.4

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.4**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Customer Loan ID** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **S&P** | **Morningstar** | **Morningstar** |
| 304096746 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304255845 | B | B |  |  |  |  |  | B | B | B |  |  |  |  |  | B |  |
| 304256394 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304315214 | B | B C |  |  |  |  |  | B C | B | B |  |  |  |  |  | B |  |
| 304331425 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304323398 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304319845 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304303325 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304357166 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304337483 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304356297 | C | C |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304336506 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304364609 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304356135 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304356252 | B | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304359167 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304359815 | C | B C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304359175 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304367976 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304375826 | C | B C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304379483 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304368743 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304368582 | A | B C |  |  |  |  |  | B C | A | B |  |  |  |  |  | B |  |
| 304367978 | B | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304378619 | C | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304376480 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304380017 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304373373 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304380025 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304371842 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304371859 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304384706 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304376600 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304384833 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304365451 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304379709 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304376281 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304369675 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304368775 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304373290 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304376635 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304380789 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304376518 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304368762 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304381969 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304376102 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304371648 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304386553 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304386552 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304378976 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304380018 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304381637 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304371718 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304378898 | C | B C |  |  |  |  |  | C | B | A B |  |  |  |  |  | B |  |
| 304373266 | A | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304381794 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304381883 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304396426 | C | C |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304382056 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304390614 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304390789 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304382877 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304383116 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304390398 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304381043 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304390418 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304386996 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304382297 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304388643 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304382181 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304379520 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304365659 | D | A |  |  |  |  |  | D | A | A |  |  |  |  |  | A |  |
| 304376540 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304385082 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304388477 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304383207 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304390397 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304385892 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304388656 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304371733 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304385534 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304385868 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304385541 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304385458 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304384831 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304400583 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304400343 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304400114 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304400242 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304400078 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304400190 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304400211 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304400279 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304400317 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304400563 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304400549 | A | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304400086 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304400345 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304400032 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304400596 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304400018 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304400278 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304400141 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304400133 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304400103 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304400104 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304400524 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304400581 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304388196 | A | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304390611 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304390460 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304385403 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304384300 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304391133 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304381026 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304390407 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304388657 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304385445 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304385179 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304388215 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304386388 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304390790 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304384063 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304392189 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304382296 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304382789 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304388587 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304384354 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304385597 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304370767 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304390396 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304388053 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304397834 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304398247 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304388007 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304393746 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304396464 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304365236 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304397154 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304398257 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304388229 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304388588 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304390406 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304387438 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304397155 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304398263 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304392191 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304393744 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304398577 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304398673 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304400690 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304391201 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418233 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418229 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418299 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418219 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304418440 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304418372 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418474 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418328 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418377 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418456 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304418454 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304418224 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418259 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418276 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418342 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418360 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418385 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418388 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418245 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418326 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418287 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418371 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418383 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418411 | C | B C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304418412 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418358 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418406 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304418300 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418209 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418274 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418305 | C | B C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304418298 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418435 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418336 | C | B |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304418477 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418464 | C | C |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304418367 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418421 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418444 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418466 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418226 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418284 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304418210 | D | D |  |  |  |  |  | D | A | A |  |  |  |  |  | A |  |
| 304418266 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418222 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418418 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304418403 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304418413 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418386 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418343 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418346 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304418419 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418450 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418323 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304418349 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418452 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418271 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418254 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418240 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418208 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418337 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418339 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418389 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418391 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418356 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418366 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418409 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418272 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418325 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418235 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418304 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304418246 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304418414 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418416 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418407 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418482 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304418239 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418301 | C | B |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304418332 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418453 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418434 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418292 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418345 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418334 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418320 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418324 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418296 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304418295 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418333 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304418364 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418479 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418357 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418449 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418468 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418306 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304418348 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418207 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418255 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418374 | C | B C |  |  |  |  |  | C | B | A B |  |  |  |  |  | B |  |
| 304418380 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418353 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418355 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304418473 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418429 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304385093 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304390465 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304387441 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304398246 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304397165 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304392255 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304392253 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304390422 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304398810 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304398840 | B | C |  |  |  |  |  | C | B | A B |  |  |  |  |  | B |  |
| 304398529 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304401036 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304401105 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304397164 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304402763 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304398660 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304400610 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304401037 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304416201 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304385443 | B | B C |  |  |  |  |  | B C | B | A B |  |  |  |  |  | B |  |
| 304396736 | C | B |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304393745 | C | C |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304393092 | C | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304415949 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304400806 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304384890 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304400625 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304416287 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304385095 | C | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304385080 | A | B C |  |  |  |  |  | B C | A | B |  |  |  |  |  | B |  |
| 304401312 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425951 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426001 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426002 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425976 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426081 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426084 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426186 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304425981 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426034 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304426038 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304426040 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426054 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304426107 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426028 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304426030 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426139 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304425939 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425999 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425947 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426047 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426055 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304426048 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426071 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425978 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426013 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304426152 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304426143 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304426156 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304425938 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425972 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304425975 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426053 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426060 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426041 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426147 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426062 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304426069 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426072 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304426086 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425937 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425949 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426043 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304426022 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426104 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304426185 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304425956 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304426170 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426004 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425962 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426023 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426046 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425986 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304426155 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304426078 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304425963 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426125 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304426128 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426153 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304426180 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425971 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425991 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304426042 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304426049 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426061 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426087 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304426014 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426138 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304426032 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426035 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426059 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304425948 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304426064 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426067 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426163 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426120 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304425979 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426044 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426188 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426110 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426052 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426099 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426106 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425946 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425996 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304426018 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426101 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425944 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304426135 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425935 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425980 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426070 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304426073 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426075 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426164 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426094 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304398566 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304398576 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304402779 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304405166 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304416545 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304385158 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304416499 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304396707 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304387782 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304390603 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304419532 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304365327 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304400721 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304413607 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304398644 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304369431 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304405706 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304388642 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304416341 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304419017 | B | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304420151 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304401982 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304417683 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304428389 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428431 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428543 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428551 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428577 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428640 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428482 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428681 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428690 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428725 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428702 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428544 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428450 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428599 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428632 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428650 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428439 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428366 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428412 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428520 | C | B C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428556 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428528 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428565 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428696 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428703 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428678 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428683 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428701 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304428685 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428348 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428357 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428369 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428372 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428447 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428532 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428537 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428561 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428596 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428557 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428584 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428446 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428436 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428423 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428385 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428519 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428477 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428560 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428631 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304428649 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428612 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428629 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428707 | D | C |  |  |  |  |  | D | A | A |  |  |  |  |  | A |  |
| 304428411 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428421 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428535 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428538 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428531 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428487 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428658 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428625 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428581 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428590 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428720 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428396 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428452 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428493 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428517 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428682 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304428468 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428485 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428679 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428688 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428408 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428417 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428432 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428471 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428490 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428549 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428541 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428491 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428643 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428610 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428635 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428569 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428415 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304428336 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428364 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428339 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428461 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428410 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428457 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428463 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428583 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428611 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428680 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428694 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428659 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428666 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428669 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428399 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428454 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428506 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428530 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428496 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428615 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428646 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428360 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428513 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428484 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428492 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428576 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428652 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304428661 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304428604 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428608 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428466 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428505 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428510 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428545 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428691 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428613 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428626 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428639 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428653 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304428667 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304428676 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304420136 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304401304 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304384880 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304392233 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304402741 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304393341 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304418764 | A | B C |  |  |  |  |  | B C | A | B |  |  |  |  |  | B |  |
| 304393212 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304416260 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304392162 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304420844 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304422414 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304400787 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304384444 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
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| 304418806 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304401940 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304417276 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304423265 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304418541 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304387624 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304422866 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304420150 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304422971 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
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| 304391221 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304398573 | A | B C |  |  |  |  |  | B C | A | B |  |  |  |  |  | B |  |
| 304424089 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304417252 | B | A |  |  |  |  |  | B | A | A |  |  |  |  |  | A |  |
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| 304399475 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425613 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
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| 304420435 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304415930 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304416273 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
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| 304425349 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304400608 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304427839 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304426686 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304405721 | B | C |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304398239 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304428731 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304405444 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304425161 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304425266 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304423664 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304423287 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304429037 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304426481 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304401339 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304401298 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438855 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438857 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438810 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438910 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438877 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439012 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438978 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304439045 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439066 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439076 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438801 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304438822 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304438904 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438809 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438839 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438853 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439001 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304439008 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304439004 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304439043 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438848 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438893 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438832 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438813 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438828 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304438908 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304439081 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439018 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438998 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439017 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304438836 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438884 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438800 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438951 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438958 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438952 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439049 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439058 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439075 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438829 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438804 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438873 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438879 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438946 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438944 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438975 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439069 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438867 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304438870 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438926 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439026 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304439080 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304439087 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304439044 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439057 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439072 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439015 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304439039 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439062 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438874 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438821 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438997 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439095 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438930 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439111 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439083 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304439086 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438878 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438823 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438890 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438882 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438817 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438806 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438976 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438923 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439020 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304439010 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439053 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438936 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438966 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438939 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438957 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438799 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438875 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304438920 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304438940 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304438991 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438992 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304439061 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304438945 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438989 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439006 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438831 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304438895 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438845 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439023 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438961 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438984 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439034 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439035 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439110 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438962 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304438964 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439077 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304438802 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304438862 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438864 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438871 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438994 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304438955 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304438972 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439085 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439054 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304439064 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439071 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304432297 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304428876 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304401959 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304426222 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304427458 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304419321 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304398264 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304427443 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304422416 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304432875 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304435349 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304420076 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304416502 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304419533 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304418741 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425274 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304442479 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442480 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304443030 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442520 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442550 | C | B C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304442569 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304442512 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442575 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304443025 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442484 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442568 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442581 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442558 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304443031 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442557 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442534 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304442493 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442592 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304442509 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442495 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442519 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442502 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442500 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442561 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442572 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442547 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442607 | C | B C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304442606 | C | B C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304442477 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304443026 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304443033 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442597 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304442593 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442599 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442602 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442595 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304443024 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442538 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442583 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304442585 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442608 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442564 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442494 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442596 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442601 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304442589 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442505 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304442566 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442556 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304443027 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442577 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442559 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442591 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304443032 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442563 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442717 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442697 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442851 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304442821 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442831 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442858 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442681 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304442838 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442778 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304442864 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442768 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442775 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304442720 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304442801 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442763 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442870 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442825 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442849 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442796 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442856 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442893 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442758 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304442862 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442847 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442711 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442753 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442771 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442740 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442779 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442833 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442769 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442723 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304442714 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442860 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442866 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442887 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304442823 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442799 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442812 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442859 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442867 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442890 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442739 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442752 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304442699 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442704 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442834 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442905 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442736 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442690 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442751 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442726 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442818 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442757 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442841 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442872 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442703 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304442816 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304442793 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442718 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442857 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442891 | C | B |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304442809 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442746 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442693 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442745 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442724 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304442687 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442698 | C | B C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304442781 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442875 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442824 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442874 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442700 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304442773 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304426842 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304432611 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304426491 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304419168 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304436452 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304432576 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304398747 | B | B C |  |  |  |  |  | B C | B | A B |  |  |  |  |  | B |  |
| 304420420 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304424088 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304420711 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304420754 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304436565 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304437787 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304415942 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304444833 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304436757 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304436566 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304437789 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304433058 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304422415 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304425600 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304420852 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304423571 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304423264 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304420853 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304422564 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304426755 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304402774 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304432403 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304437361 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425280 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304432295 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304437701 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304427457 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304436432 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304426221 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304428334 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304432237 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304425054 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304427472 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304435350 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304426785 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304432638 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304432296 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304432763 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304438725 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304401314 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304426784 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304405705 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304420729 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304457567 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304457501 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457504 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457605 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457651 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457663 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457666 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304457725 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457832 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457691 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304457703 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457715 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457721 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457848 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457864 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304457486 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457487 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304457507 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304457647 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304457615 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457685 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457809 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457674 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457837 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457708 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457812 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457821 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304457824 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457706 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457580 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457590 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304457570 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457624 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457601 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457668 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304457662 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457609 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457705 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457723 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457747 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457749 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457755 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457555 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457481 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457589 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457689 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457816 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457682 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457762 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457790 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457523 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304457549 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457592 | C | B C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304457556 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457510 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304457655 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457614 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304457730 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457744 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457822 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304457839 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304457564 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457489 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457582 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304457563 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457709 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457617 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457696 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457850 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457836 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457819 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304457547 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457573 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457528 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457619 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304457699 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457704 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457728 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457750 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457760 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457840 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457846 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457741 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457543 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457539 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304457586 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304457527 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457541 | C | B C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304457575 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457645 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457608 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457752 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457756 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457785 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304457796 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457802 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457513 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457536 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457545 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457551 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457631 | C | B C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304457676 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304457759 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304457621 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304457838 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457852 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457855 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457842 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457558 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457497 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457583 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457496 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457502 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304457652 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457657 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457681 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457692 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457724 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457743 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457751 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457742 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457768 | C | A |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304457772 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457849 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457540 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457579 | C | B C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304457495 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457526 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457607 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457581 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457603 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457687 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457702 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304457775 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304457726 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457757 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457485 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457542 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457533 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457479 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457518 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457492 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457626 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457635 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304457584 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457613 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457633 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457825 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304417841 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304425885 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304438433 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304429029 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304439270 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304439611 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304428816 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304432279 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304435434 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304420855 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304419531 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304431550 | D | A |  |  |  |  |  | D | A | A |  |  |  |  |  | A |  |
| 304432405 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304437528 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304425104 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304429045 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304422498 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304428335 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304432583 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304438633 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304425890 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304387783 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304429015 | C | B C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304427852 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304437842 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304441641 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304423251 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304435362 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304440309 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304441762 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304428732 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304440091 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304436537 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304437847 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304436536 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304440089 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304439609 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304459556 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304442474 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304376556 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304427470 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304420746 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304436612 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304437876 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304437538 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304432404 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304419018 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304426381 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304443233 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304420722 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304399539 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304442614 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304442352 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304428814 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304428833 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304437875 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304427479 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304436631 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304441726 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304432936 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304442966 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304437713 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304422683 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304436525 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304441858 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304429674 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304436305 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304441729 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304436434 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304437448 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304436575 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304442462 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304440273 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304416271 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304439665 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304432863 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304466658 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466729 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304466698 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304466669 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304466668 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304466617 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466587 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304466652 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466720 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466709 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304466632 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466631 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466661 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466730 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466710 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466693 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304466667 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304466615 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466700 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466665 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304466626 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466613 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304466588 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466727 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466718 | C | B |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466706 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466697 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304466659 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466598 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304466606 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466702 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304466670 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466603 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466713 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466699 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304466686 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466610 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466725 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304466716 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466673 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466650 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304466733 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466712 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466703 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466641 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466640 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466594 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466732 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466714 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466704 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466695 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466683 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304466663 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466595 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466715 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466681 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466671 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466644 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466635 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304466607 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466646 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304466726 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466717 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466707 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466643 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466642 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304466623 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304441935 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304443243 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304401140 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304432584 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304443274 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304416199 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304436635 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304458237 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304443569 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304436340 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304432874 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304437732 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304456474 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304470338 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304436416 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304439187 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304457457 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304459044 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304439186 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304428750 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304440090 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304441834 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304443252 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304436513 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304443144 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304437950 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304439335 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304435436 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304441727 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304442619 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304427779 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304443146 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304458315 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304443557 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304443147 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304458619 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304441509 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304422473 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304422540 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304443560 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304441617 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304458287 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304454200 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304461891 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304458229 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304461012 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304441507 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304459019 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304458292 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304440021 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304458582 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304443145 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304442965 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304443250 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304457470 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304441849 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304426443 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304457950 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304458286 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304461892 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304429123 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304441852 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304462464 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304457957 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304459797 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304432864 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304461902 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304462128 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304422865 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304457951 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304459656 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304469937 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304425168 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304462446 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304443939 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304442351 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304442645 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304471078 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304459022 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304433059 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304462114 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304467132 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304429180 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304470745 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304467595 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304460964 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304443137 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304443110 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304438505 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304442651 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304459222 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304443231 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304469995 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304459796 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304471663 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304456470 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304467165 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304443088 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304470333 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304425049 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304458712 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304467137 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304470757 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304459466 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304471085 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304454194 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304470288 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304462269 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304470217 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304442643 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304466796 | B | C |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304471916 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304471928 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304472353 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304466586 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304472373 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304438585 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304426492 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304459541 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304472359 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304435351 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304461907 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304460664 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304442461 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304472044 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304471523 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304462116 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304467133 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304460961 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304472352 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304470346 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304473751 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304468374 | B | A |  |  |  |  |  | B | A | A |  |  |  |  |  | A |  |
| 304475106 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304471951 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304473757 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304427441 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304467155 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304475090 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304458314 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304471079 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304473681 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304466781 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304470334 | B | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304458293 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304469974 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304457469 | B | B C |  |  |  |  |  | B C | B | A B |  |  |  |  |  | B |  |
| 304484390 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484441 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484507 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484400 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484498 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304484502 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304484435 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484492 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304484443 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484297 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484307 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484331 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484294 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484394 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484366 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484381 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484422 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484437 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484440 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484413 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484415 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484462 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484471 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484314 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484370 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484311 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484407 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304484310 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484402 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304484410 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484395 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484401 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484485 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484483 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484468 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484469 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484334 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484382 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484321 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484327 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484345 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484339 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484341 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484358 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484460 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484463 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484518 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484430 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484481 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484488 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484513 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304484296 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484386 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484346 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484404 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484322 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484324 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484308 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484309 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484360 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484373 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304484438 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484442 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484454 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484436 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484452 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484343 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484417 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484396 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484353 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304484418 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484364 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484299 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484316 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484427 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484506 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304484517 | D | C |  |  |  |  |  | D | A | A |  |  |  |  |  | A |  |
| 304484409 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484428 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484482 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484490 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484330 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484361 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484374 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484342 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484376 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304484449 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484493 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484420 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484433 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304484323 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484412 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484315 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484378 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484380 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484359 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484335 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304484473 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484511 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484429 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484509 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484368 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484329 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484333 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484365 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484354 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484505 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484467 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484495 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484503 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484478 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484516 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484371 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304484313 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484414 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304484332 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484399 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304484305 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484497 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484408 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484475 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484306 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484363 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484340 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484301 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304484377 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304484403 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484508 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484515 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484439 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484453 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484465 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304484514 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484406 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304462249 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304459657 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304472800 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304472345 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304458583 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304477557 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304468373 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304472698 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304473325 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304472671 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304470666 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304459109 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304456444 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304471735 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304472767 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304470077 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304442472 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304481467 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304458597 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304475214 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304480866 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304477124 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304475082 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304468421 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304476604 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304481414 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304477562 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304481649 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304481010 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304472669 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304471665 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304481322 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304477466 | B | B |  |  |  |  |  | B | B | B |  |  |  |  |  | B |  |
| 304473144 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304477646 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304472415 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304475105 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304472375 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304475190 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304473610 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304432229 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304481552 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304462331 | C | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304473750 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304472664 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304442622 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304459270 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304481269 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304472799 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304469969 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304458584 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304481652 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304483055 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304485142 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304485187 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304509941 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509956 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510051 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510030 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510032 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510076 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510117 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510046 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510136 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304510230 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510206 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510217 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510171 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510186 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510188 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510066 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510208 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510222 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510259 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509948 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510014 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304510056 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510017 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304509945 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510042 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509989 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509991 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510074 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510114 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510146 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510224 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510172 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510157 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510164 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510166 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510203 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510218 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304510016 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510043 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510063 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510065 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510001 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510176 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510080 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510082 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510128 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510145 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510256 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510267 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510190 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510175 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510089 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510091 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510202 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510204 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510221 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509976 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510019 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509978 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510047 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509954 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509967 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510079 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510093 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510131 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510142 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510059 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510102 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510104 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510244 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510072 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510083 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510158 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510098 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510123 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304510125 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510272 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510201 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304509943 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510024 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509987 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509977 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510045 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510033 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510057 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510111 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510048 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510050 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510110 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510153 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510261 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510262 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510108 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510115 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510275 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304510189 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304509962 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510061 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509951 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510036 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510008 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510023 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510025 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510161 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510149 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510156 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510096 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510211 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510184 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510205 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510130 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510132 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510178 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510210 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304510232 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510234 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510257 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509961 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510012 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510006 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509990 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509964 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509966 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510054 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510069 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510099 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510150 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510122 | C | B C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304510133 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510250 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510213 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510245 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510198 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510223 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509973 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510039 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510029 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510004 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509959 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509997 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510064 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510129 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510143 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510174 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510170 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510274 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510281 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304510101 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510163 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510177 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304510238 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510251 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510031 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304509970 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510040 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510126 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510073 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510127 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510192 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510199 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510209 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510246 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510255 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510268 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510270 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509993 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510011 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509974 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509995 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509955 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510179 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510067 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510068 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510280 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510097 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510216 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510103 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510118 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510135 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510187 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510237 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510252 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510269 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510041 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510002 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304509998 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304510000 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510037 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510052 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510088 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510092 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510141 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510119 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510276 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510279 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510140 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510239 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510154 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304510233 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304510240 | C | C |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304510247 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484585 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304482029 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304485258 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304437714 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304483057 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304486063 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304489739 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304467143 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304482941 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304487887 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304471175 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304481371 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304482936 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304476591 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304484904 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304485237 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304481632 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484890 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304489925 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304483438 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484533 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304489741 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304486059 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304492697 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304481557 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304492005 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304481459 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484888 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304492696 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304490470 | A | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304489722 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304632026 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304632016 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304472309 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304632017 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304493301 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304481254 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304480892 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304481572 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304492600 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304486946 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304496665 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304492767 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304489926 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304483071 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304481574 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304492766 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304493814 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304471921 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635152 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635085 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635093 | C | B C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304635141 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635256 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304635258 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635296 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635300 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635265 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635270 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635434 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635441 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635239 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635251 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635261 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635358 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635360 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635301 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635087 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304635169 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635086 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635107 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635099 | B | B |  |  |  |  |  | B | B | B |  |  |  |  |  | B |  |
| 304635293 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635306 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304635317 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635408 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635400 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635411 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635440 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304635448 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304635111 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635242 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635291 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635331 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635351 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635311 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635404 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635405 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635305 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635092 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304635102 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304635170 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635130 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635104 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635175 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635243 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635315 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635424 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635346 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635377 | C | B |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635420 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635201 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635160 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635287 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635352 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635353 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635292 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635429 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635105 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635095 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304635151 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635144 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635124 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635206 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635198 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635080 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635235 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635212 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635217 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635330 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635362 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635369 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635097 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635156 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304635215 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304635216 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635297 | C | B C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304635286 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635326 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635329 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635364 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635183 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635188 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635371 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635447 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635378 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304635383 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635387 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635119 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304635137 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635184 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635126 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635112 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304635230 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635229 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635310 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635394 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635307 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635314 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304635376 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635316 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635138 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635101 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635159 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635128 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635114 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635173 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635131 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635223 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635334 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635406 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635129 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635150 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635146 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635147 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304635191 | C | B |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304635194 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635214 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635263 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635205 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635282 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635361 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635208 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635295 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635325 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304635337 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635162 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635182 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635103 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635279 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635289 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635340 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635347 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635232 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635356 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635436 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635349 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635354 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635127 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635166 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635155 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635123 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635106 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304635226 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635218 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635271 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635274 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304635280 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635288 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635299 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635397 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635219 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635345 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635379 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635451 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635453 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304635433 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304495165 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304494955 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304498568 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304477222 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304486073 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304490210 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304496673 | A | B |  |  |  |  |  | B | A | A |  |  |  |  |  | A |  |
| 304495567 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304497329 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304492602 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304497386 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304510984 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638670 | C | B C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304638701 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638719 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638746 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638855 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638898 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638900 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638902 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638937 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638844 | C | B |  |  |  |  |  | C | B | B |  |  |  |  |  | B |  |
| 304638692 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638724 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304638679 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638702 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638885 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638827 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638811 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638816 | C | C |  |  |  |  |  | C | A | B |  |  |  |  |  | B |  |
| 304638917 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638876 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638901 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638946 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638949 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638672 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638770 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304638754 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638716 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638697 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638736 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638678 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638790 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638853 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638800 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638802 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638875 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638819 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638947 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638948 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638722 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638684 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638743 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638668 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638793 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638669 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638731 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638888 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638786 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638869 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638925 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638927 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638774 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638711 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638784 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638781 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638872 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638912 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304638818 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638942 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638953 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638908 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304638795 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638796 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638932 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638721 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638749 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638797 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638745 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638785 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638823 | A | B C |  |  |  |  |  | B C | A | A B |  |  |  |  |  | A B |  |
| 304638838 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638880 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638907 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638922 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304638833 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638760 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638720 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638762 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638727 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638734 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638682 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638820 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638905 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638929 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638674 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638676 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638713 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638871 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638866 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638886 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638710 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638737 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638775 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638708 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638695 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638696 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638903 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638815 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304638859 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638864 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638950 | B | B |  |  |  |  |  | B | B | B |  |  |  |  |  | B |  |
| 304638952 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638899 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638685 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638776 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638824 | C | A |  |  |  |  |  | C | B | A |  |  |  |  |  | B |  |
| 304638860 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638836 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638843 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304638814 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638831 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304475042 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304552725 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304490473 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304486048 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304489742 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304491990 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304498283 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304552724 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304492245 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304494032 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304492876 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304552713 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304495126 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304492927 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304511698 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304634464 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304498254 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304492689 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304532361 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304493815 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304510770 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304498296 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304511715 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304483532 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304498372 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304632273 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304632288 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304572269 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304631802 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304489744 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304495181 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304494145 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304492878 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304637693 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304636831 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304572074 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304494138 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304636375 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304632501 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304496672 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304497417 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304496682 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304632851 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304636569 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304484902 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635069 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304493958 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304485268 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304511477 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304639764 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304632574 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304495145 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304634264 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304632692 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304635469 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638498 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635072 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304485260 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304495180 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304632484 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304636367 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304572212 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304639763 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304511472 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304494277 | A | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304637881 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638485 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304639995 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304498338 | A | B |  |  |  |  |  | B | A | B |  |  |  |  |  | B |  |
| 304635837 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304634429 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304632930 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304642453 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304497340 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304636366 | C | C |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304639998 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304634542 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304639445 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638515 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304640020 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304498515 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304640011 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304642401 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304510351 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304643217 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |
| 304642413 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304640010 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304641714 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304635470 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304637682 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304642403 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304642551 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304643507 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304654691 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304643010 | B | A |  |  |  |  |  | B | B | A |  |  |  |  |  | B |  |
| 304643523 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304643443 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304443235 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304639739 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304639443 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304634538 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304643521 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304636832 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304638996 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304636533 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304643262 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304637675 | A | C |  |  |  |  |  | C | A | A B |  |  |  |  |  | A B |  |
| 304641654 | A | A |  |  |  |  |  | A | A | A |  |  |  |  |  | A |  |
| 304639785 | C | A |  |  |  |  |  | C | A | A |  |  |  |  |  | A |  |

---

## Exhibit 99.5

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |  |
| **Customer Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Appraisal Company** | **Appraisal FSD Score** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal FSD Score** | **Second Appraisal Desk Review Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 304096746 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304255845 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304256394 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304315214 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.70 |
| 304331425 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304323398 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304319845 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 1.461% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.461% |  |  |  |  |  |  | No |  | 1.00 |
| 304303325 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304357166 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304337483 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304356297 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304336506 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304364609 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304356135 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 304356252 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304359167 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 |
| 304359815 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.70 |
| 304359175 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304367976 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304375826 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304379483 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304368743 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 304368582 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304367978 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304378619 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304376480 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304380017 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304373373 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304380025 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304371842 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304371859 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304384706 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304376600 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304384833 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304365451 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304379709 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304376281 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304369675 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304368775 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| 304373290 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304376635 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304380789 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304376518 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304368762 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304381969 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304376102 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304371648 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  | 0.140% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.140% |  |  |  |  |  |  | N/A |  |  |
| 304386553 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304386552 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304378976 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304380018 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304381637 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304371718 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304378898 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| 304373266 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304381794 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304381883 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.00 |
| 304396426 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304382056 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304390614 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304390789 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304382877 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304383116 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304390398 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304381043 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304390418 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304386996 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304382297 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304388643 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304382181 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304379520 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304365659 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.40 |
| 304376540 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304385082 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304388477 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304383207 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304390397 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304385892 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304388656 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304371733 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304385534 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  | -1.018% |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.018% |  |  |  |  |  |  | No |  |  |
| 304385868 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304385541 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304385458 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304384831 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.00 |
| 304400583 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400343 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400114 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304400242 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400078 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400190 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400211 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304400279 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400317 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400563 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400549 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400086 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400345 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400032 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400596 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400018 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400278 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400141 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400133 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400103 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400104 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400524 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304400581 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304388196 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304390611 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304390460 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304385403 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304384300 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304391133 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304381026 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| 304390407 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304388657 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304385445 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| 304385179 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304388215 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304386388 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304390790 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304384063 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304392189 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304382296 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304382789 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.70 |
| 304388587 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304384354 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304385597 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304370767 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304390396 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304388053 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304397834 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.30 |
| 304398247 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304388007 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304393746 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304396464 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.20 |
| 304365236 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304397154 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304398257 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304388229 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.60 |
| 304388588 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304390406 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304387438 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304397155 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -4.762% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| 304398263 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304392191 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 10.644% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| 304393744 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304398577 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304398673 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400690 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.719% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304391201 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418233 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418229 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418299 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418219 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418440 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418372 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 2.951% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418474 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 304418328 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418377 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418456 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -26.621% |  |  | AVM |  | 0.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -26.621% |  |  |  |  |  |  | N/A |  |  |
| 304418454 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418224 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -22.285% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418259 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418276 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418342 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 11.093% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.093% |  |  |  |  |  |  | No |  |  |
| 304418360 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418385 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418388 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418245 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418326 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418287 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.035% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -9.035% |  |  |  |  |  |  | N/A |  |  |
| 304418371 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418383 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418411 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418412 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418358 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418406 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 20.455% |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418300 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418209 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418274 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418305 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -18.037% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418298 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418435 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 18.529% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418336 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418477 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| 304418464 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418367 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418421 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418444 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418466 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418226 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418284 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418210 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418266 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418222 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418418 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418403 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418413 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 18.711% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418386 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418343 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418346 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418419 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418450 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418323 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418349 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 20.332% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418452 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418271 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -14.674% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418254 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418240 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418208 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418337 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418339 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418389 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418391 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418356 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418366 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418409 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418272 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418325 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418235 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418304 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -19.121% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418246 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418414 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 69.279% |  |  | AVM |  | 0.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418416 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418407 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418482 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418239 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418301 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418332 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418453 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.908% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418434 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418292 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 15.006% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418345 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -17.602% |  |  | AVM |  | 0.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418334 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418320 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418324 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.568% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.568% |  |  |  |  |  |  | No |  |  |
| 304418296 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418295 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.875% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418333 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 10.012% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.012% |  |  |  |  |  |  | N/A |  |  |
| 304418364 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418479 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304418357 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -10.045% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418449 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.451% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418468 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418306 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418348 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418207 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418255 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418374 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418380 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.240% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.240% |  |  |  |  |  |  | N/A |  |  |
| 304418353 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418355 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418473 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418429 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304385093 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 304390465 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| 304387441 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.80 |
| 304398246 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | 5.321% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 304397165 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304392255 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304392253 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304390422 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304398810 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304398840 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304398529 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304401036 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.90 |
| 304401105 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304397164 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304402763 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304398660 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400610 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304401037 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304416201 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304385443 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.20 |
| 304396736 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  | -0.849% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304393745 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| 304393092 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304415949 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304400806 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304384890 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304400625 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304416287 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304385095 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| 304385080 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304401312 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425951 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.387% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426001 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.567% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426002 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -2.902% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.902% |  |  |  |  |  |  | N/A |  |  |
| 304425976 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426081 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426084 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426186 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 304425981 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 10.361% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426034 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.358% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.358% |  |  |  |  |  |  | N/A |  |  |
| 304426038 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426040 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426054 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426107 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426028 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426030 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -19.450% |  |  | AVM |  | 0.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426139 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425939 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425999 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425947 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426047 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426055 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426048 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426071 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425978 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426013 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426152 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.799% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426143 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426156 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 17.288% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.288% |  |  |  |  |  |  | N/A |  |  |
| 304425938 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425972 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425975 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426053 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426060 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426041 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426147 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426062 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426069 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426072 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.675% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.675% |  |  |  |  |  |  | N/A |  |  |
| 304426086 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425937 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425949 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426043 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -12.238% |  |  | AVM |  | 0.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426022 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426104 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426185 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425956 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426170 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426004 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425962 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426023 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426046 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425986 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426155 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426078 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425963 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426125 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426128 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426153 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426180 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425971 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425991 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.001% |  |  | AVM |  | 0.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426042 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426049 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426061 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426087 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -7.808% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.808% |  |  |  |  |  |  | N/A |  |  |
| 304426014 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426138 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426032 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426035 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426059 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425948 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426064 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426067 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426163 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426120 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425979 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426044 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426188 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426110 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426052 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426099 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426106 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.355% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425946 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425996 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426018 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 15.920% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426101 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -14.156% |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425944 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426135 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425935 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425980 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426070 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426073 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426075 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426164 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426094 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304398566 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304398576 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304402779 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304405166 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304416545 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  | 1.285% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304385158 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -2.847% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304416499 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304396707 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.60 |
| 304387782 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304390603 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304419532 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304365327 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |
| 304400721 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.301% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.301% |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304413607 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304398644 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304369431 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304405706 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.70 |
| 304388642 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 5.354% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 304416341 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304419017 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304420151 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304401982 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304417683 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428389 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428431 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428543 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428551 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428577 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428640 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428482 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428681 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428690 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428725 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428702 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428544 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428450 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428599 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -10.032% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428632 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -11.850% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428650 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428439 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428366 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428412 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428520 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -4.416% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428556 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -14.877% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -14.877% |  |  |  |  |  |  | No |  |  |
| 304428528 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -15.242% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -15.242% |  |  |  |  |  |  | N/A |  |  |
| 304428565 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.024% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.024% |  |  |  |  |  |  | No |  |  |
| 304428696 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 3.449% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428703 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428678 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 14.941% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428683 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 2.431% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.431% |  |  |  |  |  |  | N/A |  |  |
| 304428701 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.221% |  |  | AVM |  | 0.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428685 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428348 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428357 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428369 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428372 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428447 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428532 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428537 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428561 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428596 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428557 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -25.109% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428584 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428446 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428436 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428423 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428385 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428519 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428477 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428560 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428631 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428649 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.663% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428612 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.086% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428629 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428707 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  | 2.431% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428411 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428421 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428535 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428538 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428531 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428487 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 21.824% |  |  | AVM |  | 0.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428658 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428625 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428581 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428590 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428720 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.30 |
| 304428396 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428452 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428493 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428517 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428682 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428468 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428485 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428679 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428688 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428408 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428417 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.080% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428432 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428471 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428490 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.666% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428549 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428541 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 4.238% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428491 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 3.478% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428643 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428610 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428635 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428569 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428415 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428336 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428364 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -16.858% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -16.858% |  |  |  |  |  |  | No |  |  |
| 304428339 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428461 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428410 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428457 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428463 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428583 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428611 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428680 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 5.760% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428694 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -12.073% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -12.073% |  |  |  |  |  |  | N/A |  |  |
| 304428659 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428666 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -13.548% |  |  | AVM |  | 0.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428669 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428399 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428454 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428506 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428530 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428496 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428615 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.444% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428646 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428360 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.489% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.489% |  |  |  |  |  |  | N/A |  |  |
| 304428513 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 6.302% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428484 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428492 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -17.121% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428576 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428652 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.931% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.931% |  |  |  |  |  |  | N/A |  |  |
| 304428661 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428604 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428608 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428466 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428505 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428510 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428545 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 68.813% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 68.813% |  |  |  |  |  |  | N/A |  |  |
| 304428691 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -2.961% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428613 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304428626 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428639 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428653 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.642% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -9.642% |  |  |  |  |  |  | N/A |  |  |
| 304428667 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428676 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304420136 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304401304 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304384880 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304392233 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304402741 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -4.553% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.553% |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304393341 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418764 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 304393212 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304416260 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304392162 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304420844 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304422414 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  | -6.656% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400787 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304384444 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304425265 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418806 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| 304401940 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| 304417276 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304423265 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 304418541 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304387624 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304422866 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.80 |
| 304420150 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304422971 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304420458 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304416501 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304391221 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304398573 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304424089 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 304417252 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304416335 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304418924 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.60 |
| 304419530 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304399475 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425613 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| 304392229 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304423552 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 304420435 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 304415930 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.587% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| 304416273 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304422972 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304422954 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426748 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304417840 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425349 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304400608 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -2.724% |  |  | Hybrid Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304427839 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426686 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304405721 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304398239 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428731 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.30 |
| 304405444 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 1.787% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.787% |  |  |  |  |  |  | N/A |  |  |
| 304425161 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425266 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304423664 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  | -5.519% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304423287 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304429037 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304426481 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304401339 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| 304401298 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304438855 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438857 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438810 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438910 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438877 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439012 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304438978 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439045 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439066 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439076 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438801 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.660% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438822 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.759% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.759% |  |  |  |  |  |  | N/A |  |  |
| 304438904 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438809 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438839 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438853 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -13.904% |  |  | AVM |  | 0.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439001 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.951% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.951% |  |  |  |  |  |  | N/A |  |  |
| 304439008 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439004 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 17.676% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304439043 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304438848 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438893 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438832 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438813 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438828 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -4.590% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438908 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 20.612% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439081 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439018 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438998 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439017 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438836 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438884 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438800 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438951 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438958 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438952 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439049 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.007 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439058 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439075 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438829 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438804 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438873 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438879 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438946 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438944 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304438975 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  | -1.048% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439069 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438867 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 30.629% |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304438870 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438926 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439026 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.036% |  |  | AVM |  | 0.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439080 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439087 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.434% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439044 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 1.976% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439057 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439072 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439015 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439039 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439062 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438874 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438821 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 1.563% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438997 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -7.437% |  |  | AVM |  | 0.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439095 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438930 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304439111 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439083 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439086 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438878 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438823 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438890 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438882 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438817 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438806 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438976 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438923 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439020 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 7.887% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439010 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304439053 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438936 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438966 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 1.143% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438939 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438957 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -14.503% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -14.503% |  |  |  |  |  |  | N/A |  |  |
| 304438799 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438875 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438920 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304438940 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.518% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304438991 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438992 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -18.687% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439061 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -14.581% |  |  | AVM |  | 0.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438945 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438989 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439006 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.441% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304438831 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304438895 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438845 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439023 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304438961 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438984 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439034 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304439035 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439110 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304438962 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438964 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439077 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.934% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438802 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -7.196% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438862 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438864 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438871 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.313% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.313% |  |  |  |  |  |  | N/A |  |  |
| 304438994 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438955 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 15.392% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438972 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.514% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.514% |  |  |  |  |  |  | N/A |  |  |
| 304439085 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439054 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439064 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304439071 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.632% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304432297 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428876 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304401959 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426222 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304427458 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304419321 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -31.034% |  |  | Hybrid Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| 304398264 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304427443 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 304422416 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304432875 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304435349 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304420076 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304416502 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304419533 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304418741 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.20 |
| 304425274 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304442479 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442480 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443030 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442520 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442550 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304442569 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442512 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442575 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443025 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442484 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304442568 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442581 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442558 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443031 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 39.706% |  |  | AVM |  | 0.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442557 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442534 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 12.437% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442493 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442592 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 4.530% |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442509 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442495 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442519 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442502 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442500 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 4.662% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442561 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442572 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442547 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 35.119% |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442607 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442606 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -20.120% |  |  | AVM |  | 0.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442477 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443026 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443033 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442597 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442593 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442599 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442602 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442595 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443024 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.010% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304442538 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442583 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442585 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442608 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442564 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304442494 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304442596 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442601 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442589 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442505 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 4.386% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442566 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304442556 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443027 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442577 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442559 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442591 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304443032 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.061% |  |  | AVM |  | 0.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -8.061% |  |  |  |  |  |  | N/A |  |  |
| 304442563 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442717 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442697 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442851 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.746% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442821 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442831 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442858 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442681 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442838 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 9.787% |  |  | AVM |  | 0.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442778 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442864 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 1.963% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442768 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442775 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 2.437% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442720 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442801 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442763 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442870 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -2.421% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442825 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442849 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442796 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442856 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -14.904% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442893 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442758 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442862 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442847 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442711 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442753 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304442771 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 11.176% |  |  | AVM |  | 0.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442740 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442779 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442833 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442769 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442723 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442714 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -10.651% |  |  | AVM |  | 0.015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442860 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.524% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442866 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.153% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442887 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 4.938% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442823 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442799 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 17.215% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442812 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 22.926% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442859 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442867 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442890 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442739 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442752 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.180% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442699 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 9.921% |  |  | AVM |  | 0.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.921% |  |  |  |  |  |  | N/A |  |  |
| 304442704 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.508% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442834 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442905 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442736 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442690 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -21.004% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304442751 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442726 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442818 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442757 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442841 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442872 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442703 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442816 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442793 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442718 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304442857 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442891 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442809 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442746 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442693 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442745 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442724 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442687 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442698 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304442781 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442875 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442824 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442874 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -11.278% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442700 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -20.771% |  |  | AVM |  | 0.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304442773 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426842 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  | 1.192% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304432611 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426491 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304419168 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  | -5.552% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304436452 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.419% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -8.420% |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| 304432576 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304398747 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| 304420420 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304424088 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304420711 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 304420754 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304436565 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  | -7.397% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.398% |  |  |  |  |  |  | N/A |  |  |
| 304437787 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304415942 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304444833 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 9.379% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304436757 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304436566 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304437789 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304433058 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 |
| 304422415 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425600 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304420852 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304423571 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304423264 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.007 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304420853 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304422564 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426755 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304402774 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304432403 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304437361 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425280 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304432295 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304437701 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304427457 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304436432 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426221 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 304428334 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304432237 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| 304425054 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.692% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.692% |  |  |  |  |  |  | No | 3.00 | 1.10 |
| 304427472 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304435350 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -45.163% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.947% |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304426785 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.80 |
| 304432638 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304432296 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304432763 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438725 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304401314 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426784 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304405705 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304420729 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.60 |
| 304457567 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457501 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457504 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457605 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457651 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457663 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457666 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.368% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457725 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457832 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457691 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457703 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.404% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457715 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -24.318% |  |  | AVM |  | 0.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457721 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457848 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457864 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457486 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457487 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457507 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457647 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.645% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457615 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457685 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 14.844% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.844% |  |  |  |  |  |  | N/A |  |  |
| 304457809 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.318% |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457674 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457837 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457708 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457812 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457821 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457824 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457706 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.024% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457580 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457590 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457570 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457624 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457601 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457668 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457662 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457609 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457705 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457723 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -20.164% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457747 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457749 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457755 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457555 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457481 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304457589 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.220% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457689 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457816 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 5.020% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457682 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 14.694% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457762 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457790 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457523 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304457549 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457592 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457556 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.426% |  |  | AVM |  | 0.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.426% |  |  |  |  |  |  | N/A |  |  |
| 304457510 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457655 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457614 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 6.615% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457730 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 21.885% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.885% |  |  |  |  |  |  | No |  |  |
| 304457744 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457822 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.952% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457839 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457564 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457489 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457582 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457563 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.974% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.974% |  |  |  |  |  |  | N/A |  |  |
| 304457709 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -26.969% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457617 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457696 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457850 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457836 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457819 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457547 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304457573 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457528 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457619 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457699 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457704 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457728 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 4.917% |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457750 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457760 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 10.674% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304457840 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457846 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -15.353% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -15.353% |  |  |  |  |  |  | N/A |  |  |
| 304457741 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304457543 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457539 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457586 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 29.628% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.628% |  |  |  |  |  |  | N/A |  |  |
| 304457527 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457541 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457575 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.012% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457645 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457608 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457752 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457756 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.852% |  |  | AVM |  | 0.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.852% |  |  |  |  |  |  | N/A |  |  |
| 304457785 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457796 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457802 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -4.220% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.220% |  |  |  |  |  |  | N/A |  |  |
| 304457513 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457536 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304457545 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -7.178% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457551 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457631 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -16.062% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -16.062% |  |  |  |  |  |  | N/A |  |  |
| 304457676 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.508% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.508% |  |  |  |  |  |  | N/A |  |  |
| 304457759 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457621 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 2.384% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457838 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457852 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304457855 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457842 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -19.732% |  |  | AVM |  | 0.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457558 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 2.060% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.060% |  |  |  |  |  |  | N/A |  |  |
| 304457497 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457583 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457496 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457502 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457652 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.953% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304457657 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457681 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457692 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457724 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457743 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457751 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 3.673% |  |  | AVM |  | 0.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457742 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.050% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457768 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.700% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457772 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304457849 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 |
| 304457540 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457579 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457495 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457526 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457607 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457581 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -4.168% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457603 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457687 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457702 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 2.321% |  |  | AVM |  | 0.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457775 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.750% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304457726 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304457757 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 14.153% |  |  | AVM |  | 0.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.153% |  |  |  |  |  |  | N/A |  |  |
| 304457485 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457542 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457533 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -7.948% |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304457479 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457518 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457492 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304457626 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457635 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457584 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457613 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457633 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.662% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.662% |  |  |  |  |  |  | N/A |  |  |
| 304457825 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 4.689% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304417841 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| 304425885 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.50 |
| 304438433 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304429029 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439270 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439611 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428816 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304432279 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304435434 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304420855 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304419531 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 5.195% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 304431550 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304432405 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.50 |
| 304437528 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.30 |
| 304425104 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304429045 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304422498 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428335 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304432583 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438633 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425890 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304387783 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304429015 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304427852 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304437842 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304441641 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304423251 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304435362 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304440309 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304441762 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428732 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304440091 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304436537 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -10.380% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
| 304437847 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304436536 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304440089 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439609 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304459556 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442474 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304376556 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304427470 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304420746 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304436612 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304437876 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
| 304437538 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304432404 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304419018 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304426381 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443233 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304420722 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304399539 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304442614 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442352 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428814 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428833 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304437875 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304427479 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
| 304436631 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304441726 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304432936 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442966 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304437713 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304422683 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 304436525 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304441858 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| 304429674 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| 304436305 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304441729 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304436434 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304437448 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304436575 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304442462 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304440273 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304416271 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304439665 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304432863 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466658 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466729 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466698 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466669 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -4.779% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466668 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 6.034% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304466617 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466587 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466652 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.849% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466720 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466709 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 1.728% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.728% |  |  |  |  |  |  | N/A |  |  |
| 304466632 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466631 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -13.726% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466661 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466730 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466710 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466693 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -10.901% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466667 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466615 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466700 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -27.809% |  |  | AVM |  | 0.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466665 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466626 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466613 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466588 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466727 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466718 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304466706 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304466697 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466659 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -12.900% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466598 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -12.917% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466606 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466702 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466670 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466603 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466713 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.080% |  |  | AVM |  | 0.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.080% |  |  |  |  |  |  | N/A |  |  |
| 304466699 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 3.465% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304466686 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466610 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466725 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -4.488% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.488% |  |  |  |  |  |  | No |  |  |
| 304466716 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466673 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466650 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.317% |  |  | AVM |  | 0.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466733 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466712 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466703 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304466641 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304466640 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466594 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466732 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466714 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466704 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466695 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466683 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.803% |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.803% |  |  |  |  |  |  | N/A |  |  |
| 304466663 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466595 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466715 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.132% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.132% |  |  |  |  |  |  | N/A |  |  |
| 304466681 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466671 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 2.037% |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466644 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.256% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466635 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466607 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466646 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466726 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466717 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466707 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466643 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466642 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466623 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304441935 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443243 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304401140 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -22.269% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 |
| 304432584 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| 304443274 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304416199 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304436635 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304458237 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443569 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304436340 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304432874 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 304437732 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304456474 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304470338 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| 304436416 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.20 |
| 304439187 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457457 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304459044 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304439186 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304428750 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304440090 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304441834 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443252 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304436513 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443144 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.50 |
| 304437950 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304439335 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.20 |
| 304435436 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304441727 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442619 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304427779 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443146 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 304458315 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443557 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443147 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304458619 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -24.147% |  |  | AVM |  | 0.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -24.147% |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304441509 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304422473 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304422540 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 5.00 |
| 304443560 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304441617 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| 304458287 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304454200 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304461891 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304458229 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304461012 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  | -8.805% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304441507 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304459019 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  | 13.252% |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304458292 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 304440021 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304458582 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 304443145 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.80 |
| 304442965 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443250 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457470 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304441849 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426443 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| 304457950 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.524% |  |  | Hybrid Appraisal |  |  |  |  |  | -13.524% |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.70 |
| 304458286 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304461892 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304429123 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304441852 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.30 |
| 304462464 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 304457957 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304459797 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304432864 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304461902 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| 304462128 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304422865 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
| 304457951 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304459656 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304469937 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425168 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304462446 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 304443939 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304442351 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442645 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304471078 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304459022 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304433059 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304462114 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304467132 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304429180 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -23.684% |  |  | Hybrid Appraisal |  |  |  |  |  | -10.024% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.00 |
| 304470745 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304467595 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304460964 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443137 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443110 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304438505 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  | -2.850% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442651 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304459222 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443231 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304469995 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304459796 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304471663 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |  |
| 304456470 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304467165 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.80 |
| 304443088 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304470333 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304425049 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.40 |
| 304458712 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304467137 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304470757 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304459466 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304471085 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304454194 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304470288 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304462269 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304470217 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442643 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304466796 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -7.921% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.921% |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 304471916 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304471928 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304472353 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| 304466586 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304472373 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.70 |
| 304438585 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  | -28.313% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304426492 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304459541 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304472359 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304435351 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  | -7.832% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304461907 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304460664 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442461 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304472044 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304471523 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304462116 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| 304467133 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304460961 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.40 |
| 304472352 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304470346 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304473751 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304468374 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304475106 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304471951 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304473757 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304427441 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304467155 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.20 |
| 304475090 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304458314 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.40 |
| 304471079 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304473681 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304466781 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304470334 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304458293 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304469974 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304457469 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| 304484390 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484441 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484507 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484400 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484498 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 7.187% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484502 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484435 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484492 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484443 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484297 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484307 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484331 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484294 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -12.210% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -12.210% |  |  |  |  |  |  | N/A |  |  |
| 304484394 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484366 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484381 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484422 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484437 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484440 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 3.966% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484413 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484415 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484462 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484471 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484314 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484370 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.985% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484311 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484407 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484310 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484402 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -26.394% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484410 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484395 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484401 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484485 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484483 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484468 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484469 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484334 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484382 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -2.507% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484321 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484327 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484345 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484339 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484341 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484358 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484460 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484463 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.447% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484518 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484430 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484481 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484488 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 5.540% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484513 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484296 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484386 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484346 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484404 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484322 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484324 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484308 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -2.963% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484309 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484360 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484373 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 10.402% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484438 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484442 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484454 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484436 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484452 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484343 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484417 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484396 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 14.926% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484353 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.069% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484418 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 28.590% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.590% |  |  |  |  |  |  | N/A |  |  |
| 304484364 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484299 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484316 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484427 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484506 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484517 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484409 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.667% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484428 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -12.308% |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484482 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -21.677% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484490 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484330 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484361 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484374 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484342 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484376 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484449 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484493 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484420 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484433 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.256% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484323 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484412 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484315 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484378 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.035% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484380 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484359 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484335 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484473 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484511 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 2.122% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484429 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484509 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484368 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484329 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484333 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484365 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484354 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484505 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484467 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 24.478% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484495 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 5.378% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484503 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484478 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484516 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484371 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.706% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484313 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484414 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484332 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484399 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484305 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.188% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484497 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484408 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484475 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484306 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484363 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -19.719% |  |  | AVM |  | 0.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484340 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484301 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484377 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.153% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.153% |  |  |  |  |  |  | N/A |  |  |
| 304484403 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484508 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.109% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484515 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.557% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484439 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484453 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484465 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484514 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -4.170% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484406 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304462249 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304459657 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  | -20.254% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304472800 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 304472345 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304458583 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304477557 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304468373 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304472698 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304473325 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304472671 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304470666 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304459109 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304456444 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304471735 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304472767 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304470077 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442472 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304481467 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304458597 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304475214 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304480866 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304477124 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304475082 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304468421 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304476604 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304481414 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304477562 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304481649 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 304481010 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304472669 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304471665 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304481322 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304477466 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 304473144 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304477646 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304472415 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304475105 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304472375 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304475190 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304473610 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304432229 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 304481552 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| 304462331 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 304473750 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.30 |
| 304472664 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304442622 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| 304459270 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304481269 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304472799 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304469969 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304458584 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304481652 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304483055 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304485142 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304485187 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304509941 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509956 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510051 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 13.061% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510030 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510032 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -29.336% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -29.336% |  |  |  |  |  |  | N/A |  |  |
| 304510076 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510117 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.821% |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -3.821% |  |  |  |  |  |  | N/A |  |  |
| 304510046 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510136 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510230 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 1.160% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510206 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510217 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.265% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -9.265% |  |  |  |  |  |  | N/A |  |  |
| 304510171 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.869% |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510186 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510188 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.715% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.715% |  |  |  |  |  |  | N/A |  |  |
| 304510066 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510208 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510222 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 3.492% |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.492% |  |  |  |  |  |  | N/A |  |  |
| 304510259 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 6.640% |  |  | AVM |  | 0.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509948 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510014 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510056 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510017 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509945 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510042 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509989 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509991 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510074 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510114 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510146 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510224 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510172 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510157 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 16.099% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510164 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510166 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 9.056% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510203 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510218 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510016 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510043 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.993% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.993% |  |  |  |  |  |  | No |  |  |
| 304510063 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510065 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.188% |  |  | AVM |  | 0.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510001 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510176 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510080 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510082 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510128 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510145 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510256 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.370% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.370% |  |  |  |  |  |  | N/A |  |  |
| 304510267 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510190 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510175 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510089 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -27.671% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510091 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510202 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510204 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510221 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509976 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510019 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304509978 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510047 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509954 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509967 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510079 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510093 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510131 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 11.188% |  |  | AVM |  | 0.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510142 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510059 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 5.828% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.828% |  |  |  |  |  |  | N/A |  |  |
| 304510102 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510104 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510244 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510072 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510083 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 12.920% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304510158 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510098 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510123 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -7.018% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510125 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510272 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510201 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.222% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -8.222% |  |  |  |  |  |  | N/A |  |  |
| 304509943 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510024 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -14.501% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -14.501% |  |  |  |  |  |  | N/A |  |  |
| 304509987 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509977 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510045 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510033 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510057 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510111 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510048 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 3.439% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.439% |  |  |  |  |  |  | No |  |  |
| 304510050 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510110 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510153 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510261 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510262 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510108 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -18.067% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510115 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -2.536% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.537% |  |  |  |  |  |  | N/A |  |  |
| 304510275 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510189 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -2.945% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -2.945% |  |  |  |  |  |  | N/A |  |  |
| 304509962 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -12.893% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510061 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509951 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.039% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -9.039% |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304510036 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510008 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510023 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510025 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.385% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.385% |  |  |  |  |  |  | N/A |  |  |
| 304510161 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510149 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510156 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510096 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -10.584% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -10.584% |  |  |  |  |  |  | N/A |  |  |
| 304510211 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510184 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510205 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 2.437% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510130 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510132 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510178 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510210 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510232 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510234 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510257 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -13.885% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509961 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 2.374% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.374% |  |  |  |  |  |  | No |  |  |
| 304510012 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510006 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304509990 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509964 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -0.983% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509966 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510054 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510069 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510099 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510150 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510122 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510133 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.768% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510250 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510213 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510245 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.595% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510198 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510223 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509973 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510039 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510029 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510004 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509959 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509997 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510064 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510129 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510143 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510174 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510170 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -12.288% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510274 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510281 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510101 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510163 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 11.462% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.462% |  |  |  |  |  |  | N/A |  |  |
| 304510177 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510238 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510251 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510031 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304509970 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.280% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510040 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510126 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510073 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510127 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510192 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510199 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510209 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.596% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510246 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.683% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.683% |  |  |  |  |  |  | N/A |  |  |
| 304510255 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510268 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 8.490% |  |  | AVM |  | 0.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510270 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509993 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510011 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304509974 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509995 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304509955 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510179 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.834% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510067 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510068 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510280 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510097 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510216 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510103 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510118 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510135 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510187 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510237 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -21.675% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510252 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510269 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510041 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510002 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304509998 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510000 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510037 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510052 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510088 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510092 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510141 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510119 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.469% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304510276 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510279 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -25.187% |  |  | AVM |  | 0.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -25.187% |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| 304510140 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -17.447% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -17.447% |  |  |  |  |  |  | N/A |  |  |
| 304510239 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510154 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510233 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510240 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -7.412% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -7.412% |  |  |  |  |  |  | N/A |  |  |
| 304510247 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 6.760% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484585 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304482029 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304485258 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304437714 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304483057 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304486063 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.00 |
| 304489739 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304467143 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| 304482941 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304487887 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304471175 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304481371 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  | -48.228% |  |  | AVM |  | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -48.228% |  |  |  |  |  |  | N/A |  |  |
| 304482936 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304476591 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 |
| 304484904 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304485237 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304481632 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484890 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304489925 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304483438 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484533 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304489741 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| 304486059 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304492697 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304481557 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304492005 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304481459 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304484888 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304492696 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
| 304490470 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.70 |
| 304489722 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304632026 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304632016 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304472309 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304632017 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 304493301 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304481254 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304480892 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304481572 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.20 |
| 304492600 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.308 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304486946 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304496665 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304492767 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304489926 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304483071 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304481574 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304492766 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304493814 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.40 |
| 304471921 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635152 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635085 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635093 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635141 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635256 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635258 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635296 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635300 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635265 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635270 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 4.255% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635434 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.390% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635441 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635239 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635251 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635261 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635358 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635360 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635301 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304635087 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635169 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635086 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635107 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635099 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635293 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635306 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.481% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635317 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -28.913% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635408 |  |  |  |  |  | 25.686% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635400 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635411 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635440 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635448 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |  |
| 304635111 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635242 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635291 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635331 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635351 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635311 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635404 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635405 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635305 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635092 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635102 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635170 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635130 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635104 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635175 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635243 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635315 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635424 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635346 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304635377 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635420 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635201 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635160 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.804% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635287 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.017% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635352 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635353 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635292 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635429 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635105 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635095 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635151 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635144 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635124 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635206 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635198 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635080 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635235 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -2.179% |  |  | AVM |  | 0.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635212 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635217 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635330 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635362 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635369 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635097 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635156 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635215 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.635% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635216 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635297 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635286 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635326 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635329 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635364 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635183 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635188 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 8.003% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635371 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635447 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304635378 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.301% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635383 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635387 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 5.478% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.478% |  |  |  |  |  |  | N/A |  |  |
| 304635119 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635137 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635184 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -23.265% |  |  | AVM |  | 0.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635126 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635112 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635230 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635229 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635310 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635394 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635307 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635314 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635376 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635316 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635138 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635101 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635159 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635128 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635114 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304635173 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304635131 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635223 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635334 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304635406 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635129 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304635150 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635146 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635147 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635191 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635194 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635214 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635263 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635205 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635282 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635361 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635208 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635295 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635325 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -25.482% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635337 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635162 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635182 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635103 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635279 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635289 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304635340 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635347 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635232 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635356 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635436 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304635349 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635354 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304635127 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635166 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635155 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635123 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635106 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304635226 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635218 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635271 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635274 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635280 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.005 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304635288 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635299 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635397 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.310% |  |  | AVM |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635219 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635345 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635379 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635451 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635453 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.80 |
| 304635433 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304495165 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304494955 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304498568 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304477222 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304486073 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304490210 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304496673 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 |
| 304495567 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304497329 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304492602 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -25.034% |  |  | AVM |  | 0.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.30 |
| 304497386 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510984 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638670 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638701 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638719 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638746 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638855 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -21.508% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638898 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638900 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638902 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638937 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -3.083% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638844 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -10.482% |  |  | AVM |  | 0.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638692 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638724 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.557% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304638679 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638702 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638885 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638827 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638811 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638816 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -18.365% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -18.365% |  |  |  |  |  |  | N/A |  |  |
| 304638917 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638876 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638901 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638946 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638949 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.80 |
| 304638672 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638770 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -23.520% |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -23.520% |  |  |  |  |  |  | N/A |  |  |
| 304638754 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638716 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638697 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638736 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638678 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638790 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638853 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638800 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638802 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638875 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638819 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638947 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638948 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638722 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638684 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638743 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638668 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638793 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638669 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638731 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638888 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638786 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304638869 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638925 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638927 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638774 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638711 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638784 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638781 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638872 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638912 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638818 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638942 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638953 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304638908 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638795 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638796 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638932 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638721 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638749 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304638797 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638745 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638785 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638823 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638838 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638880 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638907 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638922 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 13.556% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.556% |  |  |  |  |  |  | N/A |  |  |
| 304638833 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638760 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638720 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638762 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638727 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638734 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638682 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638820 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638905 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638929 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638674 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638676 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638713 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638871 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638866 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638886 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638710 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638737 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638775 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638708 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638695 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638696 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638903 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638815 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638859 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638864 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638950 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638952 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304638899 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638685 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.899% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -5.900% |  |  |  |  |  |  | N/A |  |  |
| 304638776 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638824 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304638860 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638836 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 3.729% |  |  | AVM |  | 0.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638843 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638814 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638831 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304475042 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304552725 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| 304490473 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304486048 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304489742 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304491990 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304498283 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304552724 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304492245 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304494032 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304492876 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304552713 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304495126 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304492927 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304511698 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304634464 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304498254 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304492689 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304532361 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304493815 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510770 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304498296 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.10 |
| 304511715 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304483532 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304498372 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304632273 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304632288 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304572269 |  |  |  |  |  | 0.000% |  |  |  | Hybrid Appraisal |  |  |  |  | -15.661% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -15.662% |  |  |  |  |  |  | N/A |  |  |
| 304631802 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.40 |
| 304489744 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304495181 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304494145 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304492878 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304637693 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304636831 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -27.652% |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.40 |
| 304572074 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304494138 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304636375 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304632501 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304496672 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304497417 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304496682 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304632851 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304636569 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304484902 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304635069 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304493958 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304485268 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 304511477 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304639764 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304632574 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304495145 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304634264 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304632692 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635469 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638498 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635072 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| 304485260 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 304495180 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304632484 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.60 |
| 304636367 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.90 |
| 304572212 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.10 |
| 304639763 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304511472 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304494277 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304637881 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638485 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304639995 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304498338 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304635837 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 304634429 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304632930 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304642453 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 304497340 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -8.624% |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304636366 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304639998 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304634542 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304639445 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304638515 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304640020 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| 304498515 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 |
| 304640011 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304642401 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304510351 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304643217 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304642413 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304640010 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304641714 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| 304635470 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304637682 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304642403 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304642551 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304643507 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304654691 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -4.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 5.00 |
| 304643010 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 304643523 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304643443 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304443235 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304639739 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.50 |
| 304639443 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304634538 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 |
| 304643521 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304636832 |  |  |  |  |  | 0.000% |  |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304638996 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304636533 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.00 |
| 304643262 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.07 |  |  | 0.558% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304637675 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304641654 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304639785 |  |  |  |  |  | 0.000% |  |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.6

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.6**

![](ex996001.jpg)

**June 26, 2025**<br> **Due Diligence Narrative Report**<br>

![](ex996002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;*Sampling* | *3* |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | *3* |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | *4* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Capture* | *7* |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | *7* |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

JPMMT 2025-CES3 Due Diligence Narrative Report Page \| 1 June 26, 2025

![](ex996002.jpg)

**Clayton Contact Information**

**Client Service Management:**

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) | **Chris Turk** | Senior Client Service Director |

---

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

---

| | | |
|:---|:---|:---|
| ![](ex996003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |

---

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

**Overview**

On behalf of NewRez, LLC ("NewRez"), Clayton conducted an independent third-party pre-securitization due diligence review of 948 residential loans. The due diligence for NewRez (948 loans) took place in March, 2024 through February, 2025.

JPMorgan Chase Bank, National Association ("JPMorgan") acquired this diligence through a Reliance Letter purchase and selected these loans for the JPMMT 2025-CES3 transaction.

This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 9 | 0.95% |
| Correspondent Bulk | 1 | 0.11% |
| Correspondent Flow with delegated underwriting | 11 | 1.16% |
| Direct to Consumer | 810 | 85.44% |
| Retail | 117 | 12.34% |
| **Total** | **948** | **100.00%** |

---

JPMMT 2025-CES3 Due Diligence Narrative Report Page \| 2 June 26, 2025

![](ex996002.jpg)

**Clayton's Third Party Review ("TPR") Scope of Work**

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

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Loan Count***<br> ***Reviewed by***<br> ***Clayton*** | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;948 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan** <br> **Population** | &nbsp;&nbsp;948<br>|  |

---

Sponsor Acquisition Criteria

Clayton was supplied with the related guidelines in advance of our review. The subject loans were reviewed pursuant to the applicable Originators guidelines.

Loan Grading

The Sponsor Acquisition Criteria referenced above served as the benchmark for grading loans from a credit underwriting, property valuation and regulatory compliance perspective, as applicable. Each loan received an "initial" and a "final" grade. The "initial"

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

JPMMT 2025-CES3 Due Diligence Narrative Report Page \| 3 June 26, 2025

![](ex996002.jpg)

grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton's loan grading is solely based on Clayton's independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth compensating factors and waivers.

Clayton's loan grading complied with rating agency grading definitions published by Moody's, Standard and Poor's, Fitch, Morningstar/DBRS and Kroll.

![](ex996004.jpg)

TPR Component Review Scope

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

Credit Review

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined
 income, employment, assets, and occupancy status for reasonability; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined
 Data Verify/Fraudguard/Interthinx or similar risk evaluation report, which was ordered
 by the Seller and received by Clayton for Nationwide Multistate Licensing System and
 Registry ("NMLS") and occupancy status alerts. Clayton researched alert information
 against loan documentation and assigned loan conditions accordingly.

JPMMT 2025-CES3 Due Diligence Narrative Report Page \| 4 June 26, 2025

![](ex996002.jpg)

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (948 loans)

– Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Secondary
 Valuation Assessment (948 loans)

○ Clayton reviewed the secondary valuation in file to confirm the value used for LTV

○ Clayton also confirmed the Property Address on secondary valuation matched the subject address and was run within 90 days of closing.

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on this transaction included the elements summarized below.

(For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested
 for state-specific consumer protection laws including late charge and prepayment penalty
 provisions;

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

– Notice of Right to Cancel (Right of Rescission) adherence if applicable;

– TIL Disclosure Timing (3/7/3) and disclosure content;

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

– Section 32 APR and Points and Fees Thresholds and prohibited practices;

– Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

– Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

– Prepayment Penalty restrictions;

QM/ATR Review: On applicable loans, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau, as further described on <u>Appendix C</u> attached hereto

For loans identified as QM based upon the revised QM definition, the scope included identifying whether loans met the QM definition in terms of loan term, fees and product features, and also whether (1) the loan's APR did not exceed the QM APOR threshold applicable to the loan and (2) that the lender considered and verified income, assets and debt in accordance with the revised QM standards.

JPMMT 2025-CES3 Due Diligence Narrative Report Page \| 5 June 26, 2025

![](ex996002.jpg)

Clayton included in its review an analysis to determine if the lender's underwriting deviated from the VSH guidelines that the lender documented that they used. This scope only applies if the lender underwrote the loan to either chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide published June 3, 2020; or sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020. See Appendix C for more detail.

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' on or after 10/3/2015); SFA RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real
 Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following,
 for loans other than 'Covered Loans' and loans with an Application Date prior
 to 10/3/2015:

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice; and

– Affiliated Business Disclosure if applicable.

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

On, June 15<sup>th</sup>, 2016 SFA published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from TPR firms across the industry and SFA's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFA RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

Following the June 15<sup>th</sup> , 2016 formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by JPMorgan.

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

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

JPMMT 2025-CES3 Due Diligence Narrative Report Page \| 6 June 26, 2025

![](ex996002.jpg)

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

Anti-predatory lending laws

● Virginia Lender and Broker Act after 6/1/2008

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payment

Data Capture

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

Data Integrity

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Discrepancies
 found during comparison are stored; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each
 discrepancy is reported on the Clayton Loan Level Tape Compare.

JPMMT 2025-CES3 Due Diligence Narrative Report Page \| 7 June 26, 2025

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**Data Compare Results**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;356 | &nbsp;&nbsp;62.53% |
| &nbsp;&nbsp;County Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.89% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;115 | &nbsp;&nbsp;87.89% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;191 | &nbsp;&nbsp;79.89% |
| &nbsp;&nbsp;Lender Application Date | &nbsp;&nbsp;166 | &nbsp;&nbsp;82.53% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;99.68% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.89% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;62 | &nbsp;&nbsp;93.47% |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.79% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.89% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.79% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;224 | &nbsp;&nbsp;76.42% |
| &nbsp;&nbsp;Seller Loan Number | &nbsp;&nbsp;10 | &nbsp;&nbsp;98.95% |
| &nbsp;&nbsp;Total Monthly Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.79% |

---

JPMMT 2025-CES3 Due Diligence Narrative Report Page \| 8 June 26, 2025

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**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results** 

<u>Loan Pool (948 loans)</u>

**Initial and Final Credit Component Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 637 | 37 | 123 | 102 | **899** |
| **Final** | **B** |  | 17 | 22 | 10 | **49** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **637** | **54** | **145** | **112** | **948** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 843 | 10 | 38 | 51 | **942** |
| **Final** | B |  | 3 | 3 |  | **6** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **843** | **13** | **41** | **51** | **948** |

---

**Initial and Final Property Valuation Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 925 | 3 | 14 | 3 | **945** |
| **Final** | B |  |  | 3 |  | **3** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **925** | **3** | **17** | **3** | **948** |

---

JPMMT 2025-CES3 Due Diligence Narrative Report Page \| 9 June 26, 2025

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**Initial and Final Regulatory Compliance Grade Results** 

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 725 | 35 | 88 | 58 | **906** |
| **Final** | B |  | 15 | 20 | 7 | **42** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **725** | **50** | **108** | **65** | **948** |

---

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Exception
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Guideline
 Key

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Rating
 Agency Grades Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Supplemental
 Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Valuations
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Rating
 Agency Attestations

JPMMT 2025-CES3 Due Diligence Narrative Report Page \| 10 June 26, 2025

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**Appendix A: Credit Review Scope**

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

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

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

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

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

○ Uniform Residential Loan Application reviewed to determine:

– Initial loan application was in the loan file and was signed by all borrowers

– Final loan application was in the loan file and was complete

– Information and debts disclosed on loan application aligned with related documentation in the loan file

○ Employment analyzed and verified through use of various documents, including:

– Income documentation

– Verbal and/or written verifications of employments (VVOE, VOE)

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ Income review included:

– Required income documentation for all borrowers was present and within required time period

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

– Income was recalculated and was documented with applicable documentation, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial
 statements

JPMMT 2025-CES3 Due Diligence Narrative Report Page \| 11 June 26, 2025

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease
 agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award
 letters

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

○ Asset review included:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository
 account statements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements
 statements

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

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

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

○ Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

– Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

– Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

– Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold
 estate

– Appropriate vestee(s) were listed on title policy

Amount of coverage was greater than or equal to the original principal amount of the mortgage

– Applicable title endorsements were present

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

– Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

– Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

– Funds to close identified and analyzed against borrower's assets

– Seller contributions did not exceed maximum allowed

– Subject property, seller and borrower aligned with other loan documentation

– Disbursements and pay-offs included in debt ratio calculations

JPMMT 2025-CES3 Due Diligence Narrative Report Page \| 12 June 26, 2025

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– Loan purpose confirmed

○ Hazard/Flood insurance review included:

– Verified presence of required hazard insurance and flood insurance (if required)

– Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 loan number

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

Confirmed that any required insurance minimum coverage amount and policy period

– Reviewed for evidence that any required insurance policy premium was paid

– Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns"

Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

Captured mortgage insurance name, certificate # and percentage guarantee (when required)

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

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

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

JPMMT 2025-CES3 Due Diligence Narrative Report Page \| 13 June 26, 2025

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**Appendix B: Origination Appraisal Assessment**

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

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

○ Appraisal report used standard GSE forms, appropriate to the property type:

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

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

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

– FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

– FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

– FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

○ Appraisal report was reasonably complete and included:

– Appraisal report form, certification, statement of limiting conditions and scope of work

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

– Accurate identification of the property type, in both land and improvements

– All required attachments including:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location
 map

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

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

– Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

– Appraisal date met supplied Sponsor Acquisition Criteria

– If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

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

○ Title XI of FIRREA:

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

JPMMT 2025-CES3 Due Diligence Narrative Report Page \| 14 June 26, 2025

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– Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

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

○ USPAP

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

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

○ Appraised value was reasonably supported. Utilized the following review in making value supported determination:

– Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

– Comps used were reasonably recent in transaction date and if not the reason was furnished

– Comps used were reasonably similar to the subject property and if not an explanation was supplied

– Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

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

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

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

– Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

– Property usage was reviewed for zoning compliance

– Property utilization was reviewed to determine it was "highest and best use"

– Neighborhood values were reviewed to determine if declining

– Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing
 time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant
 occupancy

– Physical condition of the property was reviewed to determine that the property condition was average or better

– Style of property was reviewed to determine if unique property

– Any health and safety issues were noted and/or remediated

– Locational and/or environmental concerns adequately addressed if present

D. Home
 Value Estimator (HVE) or similar Automated valuation Model (AVM) Assessment per applicable
 originator guidelines

○ Clayton reviewed the HVE or similar AVM in file to confirm the value used for LTV

○ Clayton also confirmed the Property Address on HVE or similar AVM matched the subject address and was run within 90 days of closing.

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

○ 3 to 4 unit owner occupied properties

JPMMT 2025-CES3 Due Diligence Narrative Report Page \| 15 June 26, 2025

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○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

G. Disclaimer

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

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

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

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

○ Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

H. Desk
 Review definitions

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

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

JPMMT 2025-CES3 Due Diligence Narrative Report Page \| 16 June 26, 2025

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**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

○ Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

○ Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

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

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

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

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

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

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

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

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

○ High Cost mortgage thresholds for points and fees (Section 32)

○ High Cost Prohibited Acts and Practices upon request (Section 33)

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

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

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

○ For loans identified as QM based upon the revised QM definition, the scope included identifying whether loans met the QM definition in terms of loan term, fees and product features, and also whether (1) the loan's APR did not exceed the QM APOR threshold applicable to the loan and (2) that the lender considered and verified income, assets and debt in accordance with the revised QM standards.

○ For loans identified as QM under the revised QM definition, as applicable, an added element was to identify whether the lender used guidelines that provided a Verification Safe Harbor, based on the following review scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lender
 provided a VSH Indicator. (The VSH indicator was provided within the loan images, on
 the data tape, or as part of the loan program/guidelines being originated to.) The loan
 guidelines utilize one of the specified GSE June 2020 guidelines to meet VSH. In the
 event the lender has identified the loan to have VSH status, then the TPR firm reviewed
 to identify documentation variances that would cause one to question the VSH attestation
 from the lender. If variances are identified then the loan would not be identified by
 the TPR firm to meet the VSH documentation requirements under either the Fannie Mae guidelines
 or under the Freddie Mac guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Under
 this review scope, if an AUS provides a lesser documentation standard than the Safe Harbor
 guideline and the Safe Harbor guideline does not contain a specific allowance for the
 reduced documentation, the AUS in and of itself will not evidence of VSH. For example,
 Section B3-3.5 of the Fannie Mae guidelines contains two instances where lesser DU documentation
 is allowable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Clayton
 does not independently affirm that a lender's guidelines meet VSH or that a court
 would determine that the lender met the QM consider and verify standards.

○ TILA/RESPA Integrated Disclosures ("TRID")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test
 whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate
 ("LE") and Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application
 Requirement Testing:

● Pre-application forms cannot look similar to the LE

● Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing
 Requirements:

● The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

● The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.

● That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 Tolerances:

● Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

● If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment
 Schedule Accuracy:

● The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated payment schedule.

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● Interest-only periods and final balloon payments are accurately completed.

● The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

● When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy
 of the Loan Calculations

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

● Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

● Alphabetization of fees.

● Title fees preceded by "Title –."

● Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency
 within and across forms

● Once a fee is disclosed it must remain substantially the same name across disclosures.

● Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

● Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.

● Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion
 of the LE and CD

● All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

● For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

● That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

● Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected
 CD requiring a new waiting period

● Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

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● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close
 CD's

● Corrected CD's provided with a post-close refund.

● Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

● Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

● Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

● Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside
 of Clayton's default TRID scope:

● Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

● Whether the Liability after Foreclosure selection is correct for the property state.

● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

● Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

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

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

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

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

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

---

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

---

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

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

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---

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

---

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

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

---

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

---

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

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

---

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

---

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

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

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

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

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

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

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

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

JPMMT 2025-CES3 Due Diligence Narrative Report Page \| 23 June 26, 2025

## Exhibit 99.7

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.7**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 304436063 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304436062 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304436062 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304436061 | XXXXXX | XXXXXX | Combined LTV | 40.42 | 40.58 |
| 304436061 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634240 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 304634238 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634238 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634231 | XXXXXX | XXXXXX | Combined LTV | 79.90 | 79.51 |
| 304634231 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 22.1240 | 27.2977 |
| 304634230 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.1480 | 27.9176 |
| 304634230 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634227 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304436055 | XXXXXX | XXXXXX | Combined LTV | 59.93 | 60.06 |
| 304436055 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304436053 | XXXXXX | XXXXXX | Combined LTV | 73.39 | 73.29 |
| 304436053 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304637083 | XXXXXX | XXXXXX | Combined LTV | 53.72 | 53.57 |
| 304634224 | XXXXXX | XXXXXX | Combined LTV | 70.10 | 69.87 |
| 304436051 | XXXXXX | XXXXXX | Combined LTV | 52.74 | 52.57 |
| 304436051 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304436050 | XXXXXX | XXXXXX | Combined LTV | 76.75 | 76.15 |
| 304634221 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634216 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634216 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634214 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.8000 | 23.9975 |
| 304634214 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634214 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634211 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634210 | XXXXXX | XXXXXX | Combined LTV | 53.26 | 53.01 |
| 304634208 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304436042 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304637082 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634206 | XXXXXX | XXXXXX | Combined LTV | 48.12 | 48.07 |
| 304634206 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634206 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634199 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304436039 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304436038 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634196 | XXXXXX | XXXXXX | Combined LTV | 36.52 | 36.51 |
| 304634192 | XXXXXX | XXXXXX | Combined LTV | 79.86 | 80.00 |
| 304634191 | XXXXXX | XXXXXX | Combined LTV | 64.91 | 65.00 |
| 304637081 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634188 | XXXXXX | XXXXXX | Combined LTV | 65.53 | 65.52 |
| 304634188 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304349699 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304436035 | XXXXXX | XXXXXX | Combined LTV | 63.78 | 63.68 |
| 304436035 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.0820 | 42.0656 |
| 304637078 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 22.5080 | 35.4041 |
| 304637078 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634184 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 26.8330 | 21.3779 |
| 304634184 | XXXXXX | XXXXXX | Property Type | Condotel | Site Condo |
| 304634184 | XXXXXX | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 304436034 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634183 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304637076 | XXXXXX | XXXXXX | Combined LTV | 39.76 | 39.75 |
| 304637076 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304436033 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634182 | XXXXXX | XXXXXX | Combined LTV | 66.92 | 66.91 |
| 304634182 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304637075 | XXXXXX | XXXXXX | Property Type | Condotel | Site Condo |
| 304637074 | XXXXXX | XXXXXX | Combined LTV | 69.96 | 69.84 |
| 304637074 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.0910 | 36.1874 |
| 304637074 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304637074 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304436032 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.0500 | 28.8664 |
| 304436031 | XXXXXX | XXXXXX | Combined LTV | 46.41 | 46.49 |
| 304436031 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634181 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634180 | XXXXXX | XXXXXX | Original LTV | 21.38 | 21.37 |
| 304634177 | XXXXXX | XXXXXX | Combined LTV | 69.65 | 69.82 |
| 304634176 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634175 | XXXXXX | XXXXXX | Combined LTV | 67.59 | 67.18 |
| 304637070 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304637070 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634173 | XXXXXX | XXXXXX | Combined LTV | 80.00 | 79.83 |
| 304634173 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 304637068 | XXXXXX | XXXXXX | Combined LTV | 73.60 | 73.61 |
| 304637068 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304436025 | XXXXXX | XXXXXX | Combined LTV | 78.64 | 77.98 |
| 304436025 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304436024 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304436024 | XXXXXX | XXXXXX | Original LTV | 14.70 | 14.69 |
| 304634172 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634172 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304436023 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.1600 | 36.7839 |
| 304436023 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634169 | XXXXXX | XXXXXX | Combined LTV | 67.33 | 67.23 |
| 304634169 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634169 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304436021 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304436019 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634168 | XXXXXX | XXXXXX | Combined LTV | 66.20 | 66.07 |
| 304634168 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304436018 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304436016 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304436013 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634167 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 18.5110 | 22.5646 |
| 304634165 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304637065 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304436009 | XXXXXX | XXXXXX | Combined LTV | 61.85 | 61.96 |
| 304436009 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634163 | XXXXXX | XXXXXX | Combined LTV | 60.79 | 60.46 |
| 304634163 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634162 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634161 | XXXXXX | XXXXXX | Combined LTV | 72.28 | 72.14 |
| 304634161 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634159 | XXXXXX | XXXXXX | Combined LTV | 65.81 | 65.54 |
| 304634159 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 304634158 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304436000 | XXXXXX | XXXXXX | Combined LTV | 51.96 | 51.98 |
| 304634157 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634156 | XXXXXX | XXXXXX | Combined LTV | 67.00 | 66.99 |
| 304634156 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304637063 | XXXXXX | XXXXXX | Combined LTV | 72.62 | 72.54 |
| 304637063 | XXXXXX | XXXXXX | Original LTV | 10.21 | 10.20 |
| 304637063 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435997 | XXXXXX | XXXXXX | Combined LTV | 72.16 | 71.99 |
| 304435997 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435997 | XXXXXX | XXXXXX | Original LTV | 33.13 | 33.12 |
| 304435997 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304637062 | XXXXXX | XXXXXX | Combined LTV | 58.32 | 58.39 |
| 304637062 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435995 | XXXXXX | XXXXXX | Original LTV | 11.68 | 11.67 |
| 304435994 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435993 | XXXXXX | XXXXXX | Combined LTV | 79.98 | 79.88 |
| 304435993 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634153 | XXXXXX | XXXXXX | Combined LTV | 48.85 | 48.60 |
| 304435990 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634152 | XXXXXX | XXXXXX | Combined LTV | 73.14 | 73.13 |
| 304634152 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 13.2300 | 30.1068 |
| 304435988 | XXXXXX | XXXXXX | Combined LTV | 58.68 | 58.52 |
| 304435988 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304637061 | XXXXXX | XXXXXX | Combined LTV | 64.10 | 64.01 |
| 304634149 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634149 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435987 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634146 | XXXXXX | XXXXXX | Combined LTV | 72.73 | 72.79 |
| 304634146 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634145 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 304634143 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634143 | XXXXXX | XXXXXX | Original LTV | 12.87 | 12.86 |
| 304634143 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 304634142 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 35.7570 | 41.5926 |
| 304435984 | XXXXXX | XXXXXX | Combined LTV | 79.56 | 81.44 |
| 304435984 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435984 | XXXXXX | XXXXXX | Original LTV | 35.91 | 36.83 |
| 304634141 | XXXXXX | XXXXXX | Combined LTV | 53.60 | 53.70 |
| 304634141 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634140 | XXXXXX | XXXXXX | Combined LTV | 69.83 | 69.62 |
| 304634140 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 13.4060 | 26.0087 |
| 304435983 | XXXXXX | XXXXXX | Combined LTV | 51.55 | 51.40 |
| 304435983 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634137 | XXXXXX | XXXXXX | Combined LTV | 57.92 | 58.13 |
| 304634137 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634136 | XXXXXX | XXXXXX | Combined LTV | 69.82 | 69.70 |
| 304634135 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.6900 | 37.9303 |
| 304634134 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 304435982 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304637058 | XXXXXX | XXXXXX | Combined LTV | 41.34 | 41.48 |
| 304637058 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304637057 | XXXXXX | XXXXXX | Combined LTV | 72.82 | 72.58 |
| 304637057 | XXXXXX | XXXXXX | Original LTV | 17.55 | 17.54 |
| 304634129 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 35.1530 | 42.4110 |
| 304634128 | XXXXXX | XXXXXX | Combined LTV | 66.59 | 66.64 |
| 304634128 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634127 | XXXXXX | XXXXXX | Combined LTV | 71.37 | 71.45 |
| 304634127 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304637054 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304637054 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634123 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634122 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634120 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435979 | XXXXXX | XXXXXX | Combined LTV | 54.50 | 54.62 |
| 304634119 | XXXXXX | XXXXXX | Combined LTV | 73.23 | 73.35 |
| 304637050 | XXXXXX | XXXXXX | Combined LTV | 40.77 | 40.27 |
| 304637050 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 22.5170 | 42.6523 |
| 304637049 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304637049 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304637048 | XXXXXX | XXXXXX | Combined LTV | 56.68 | 56.27 |
| 304637048 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634117 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435976 | XXXXXX | XXXXXX | Combined LTV | 65.44 | 65.43 |
| 304435976 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435976 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435974 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435974 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634114 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 15.3310 | 32.9486 |
| 304634113 | XXXXXX | XXXXXX | Combined LTV | 75.00 | 74.83 |
| 304634112 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.4680 | 38.9523 |
| 304435972 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435972 | XXXXXX | XXXXXX | Original LTV | 16.79 | 16.78 |
| 304435971 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634110 | XXXXXX | XXXXXX | Combined LTV | 46.72 | 46.84 |
| 304634110 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435969 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 15.3590 | 18.9995 |
| 304435969 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634107 | XXXXXX | XXXXXX | Combined LTV | 38.69 | 38.68 |
| 304634107 | XXXXXX | XXXXXX | Original LTV | 11.26 | 11.25 |
| 304634106 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304637044 | XXXXXX | XXXXXX | Combined LTV | 59.47 | 59.29 |
| 304634105 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435965 | XXXXXX | XXXXXX | Combined LTV | 43.20 | 43.10 |
| 304634103 | XXXXXX | XXXXXX | Combined LTV | 74.59 | 74.71 |
| 304634103 | XXXXXX | XXXXXX | Original LTV | 17.68 | 17.67 |
| 304435963 | XXXXXX | XXXXXX | Combined LTV | 74.94 | 74.93 |
| 304435963 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634102 | XXXXXX | XXXXXX | Combined LTV | 70.55 | 70.54 |
| 304435962 | XXXXXX | XXXXXX | Combined LTV | 51.90 | 51.89 |
| 304637043 | XXXXXX | XXXXXX | Original LTV | 10.69 | 10.68 |
| 304637043 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634101 | XXXXXX | XXXXXX | Combined LTV | 59.27 | 48.68 |
| 304634101 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.9230 | 33.8812 |
| 304634101 | XXXXXX | XXXXXX | Original LTV | 10.83 | 8.90 |
| 304435958 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435957 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634098 | XXXXXX | XXXXXX | Combined LTV | 60.97 | 60.60 |
| 304634098 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634098 | XXXXXX | XXXXXX | Property Type | SFR | Attached PUD |
| 304435956 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634095 | XXXXXX | XXXXXX | Combined LTV | 41.25 | 41.59 |
| 304634094 | XXXXXX | XXXXXX | Combined LTV | 41.59 | 41.20 |
| 304634094 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.1270 | 34.6699 |
| 304634094 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634090 | XXXXXX | XXXXXX | Combined LTV | 68.14 | 67.81 |
| 304634089 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.4790 | 34.4458 |
| 304634089 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634088 | XXXXXX | XXXXXX | Combined LTV | 74.58 | 74.68 |
| 304634088 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634088 | XXXXXX | XXXXXX | Original LTV | 22.89 | 22.88 |
| 304634088 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634087 | XXXXXX | XXXXXX | Combined LTV | 77.81 | 77.85 |
| 304634087 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634084 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634084 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| 304637037 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435952 | XXXXXX | XXXXXX | Combined LTV | 69.97 | 69.61 |
| 304435952 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435950 | XXXXXX | XXXXXX | Combined LTV | 79.37 | 79.12 |
| 304435950 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435950 | XXXXXX | XXXXXX | Original LTV | 14.46 | 14.45 |
| 304435950 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634083 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 11.0530 | 42.8910 |
| 304634082 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.3680 | 34.5491 |
| 304634081 | XXXXXX | XXXXXX | Combined LTV | 65.75 | 65.46 |
| 304634081 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 23.7580 | 39.1857 |
| 304634081 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634080 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634079 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.3560 | 42.3096 |
| 304634078 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634075 | XXXXXX | XXXXXX | Combined LTV | 73.67 | 73.42 |
| 304634074 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.9550 | 31.3154 |
| 304634074 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634074 | XXXXXX | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 304634073 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634071 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.3170 | 41.0089 |
| 304435947 | XXXXXX | XXXXXX | Combined LTV | 25.71 | 25.89 |
| 304435947 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435945 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435944 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435943 | XXXXXX | XXXXXX | Combined LTV | 74.72 | 74.65 |
| 304435943 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435941 | XXXXXX | XXXXXX | Combined LTV | 79.57 | 79.69 |
| 304435941 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435940 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634068 | XXXXXX | XXXXXX | Combined LTV | 78.52 | 78.25 |
| 304435939 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435937 | XXXXXX | XXXXXX | Combined LTV | 72.96 | 72.83 |
| 304435937 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435937 | XXXXXX | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 304435936 | XXXXXX | XXXXXX | Combined LTV | 51.14 | 50.98 |
| 304435936 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435935 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435934 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304637032 | XXXXXX | XXXXXX | Combined LTV | 65.04 | 64.87 |
| 304435933 | XXXXXX | XXXXXX | Combined LTV | 66.92 | 67.13 |
| 304435933 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435933 | XXXXXX | XXXXXX | Original LTV | 12.68 | 12.67 |
| 304435931 | XXXXXX | XXXXXX | Combined LTV | 74.66 | 74.72 |
| 304435931 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304637031 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435928 | XXXXXX | XXXXXX | Combined LTV | 74.93 | 74.72 |
| 304435928 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304637030 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634066 | XXXXXX | XXXXXX | Combined LTV | 40.73 | 41.07 |
| 304634066 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 28.3430 | 36.1093 |
| 304637029 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634064 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634063 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304637028 | XXXXXX | XXXXXX | Combined LTV | 39.51 | 39.53 |
| 304637028 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304637028 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304637027 | XXXXXX | XXXXXX | Combined LTV | 78.85 | 78.67 |
| 304637027 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304637027 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304637026 | XXXXXX | XXXXXX | Combined LTV | 47.40 | 47.39 |
| 304634061 | XXXXXX | XXXXXX | Combined LTV | 47.77 | 47.80 |
| 304634060 | XXXXXX | XXXXXX | Combined LTV | 26.31 | 26.26 |
| 304634058 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.5890 | 43.6814 |
| 304634057 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 29.0880 | 34.5749 |
| 304634056 | XXXXXX | XXXXXX | Combined LTV | 59.93 | 59.84 |
| 304435923 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304637024 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 21.8120 | 29.0971 |
| 304435920 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435920 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634051 | XXXXXX | XXXXXX | Original LTV | 12.79 | 12.78 |
| 304634050 | XXXXXX | XXXXXX | Combined LTV | 54.12 | 54.61 |
| 304637022 | XXXXXX | XXXXXX | Combined LTV | 61.35 | 61.28 |
| 304435914 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435914 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634049 | XXXXXX | XXXXXX | Original LTV | 10.78 | 10.77 |
| 304634049 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435912 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435912 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304637018 | XXXXXX | XXXXXX | Combined LTV | 70.00 | 70.04 |
| 304637018 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634041 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634039 | XXXXXX | XXXXXX | Combined LTV | 79.67 | 79.75 |
| 304634039 | XXXXXX | XXXXXX | Original LTV | 19.30 | 19.29 |
| 304634039 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 304435908 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435907 | XXXXXX | XXXXXX | Combined LTV | 74.63 | 74.50 |
| 304435907 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634037 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.3730 | 38.8776 |
| 304634037 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634035 | XXXXXX | XXXXXX | Combined LTV | 71.62 | 71.79 |
| 304634035 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435905 | XXXXXX | XXXXXX | Combined LTV | 52.98 | 52.70 |
| 304435905 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435905 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435904 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634033 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 22.0270 | 30.6259 |
| 304435901 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634032 | XXXXXX | XXXXXX | Combined LTV | 32.75 | 32.57 |
| 304634032 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634032 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435899 | XXXXXX | XXXXXX | Combined LTV | 59.66 | 59.47 |
| 304435899 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 20.5830 | 30.6065 |
| 304349314 | XXXXXX | XXXXXX | Combined LTV | 70.81 | 71.13 |
| 304349314 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634029 | XXXXXX | XXXXXX | Combined LTV | 70.19 | 70.38 |
| 304634029 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.9850 | 42.5057 |
| 304634029 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435896 | XXXXXX | XXXXXX | Combined LTV | 79.42 | 79.34 |
| 304435892 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435891 | XXXXXX | XXXXXX | Combined LTV | 47.76 | 47.93 |
| 304435891 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435891 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435889 | XXXXXX | XXXXXX | Combined LTV | 68.88 | 68.63 |
| 304435889 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634025 | XXXXXX | XXXXXX | Combined LTV | 67.31 | 67.61 |
| 304634025 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304634025 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634023 | XXXXXX | XXXXXX | Combined LTV | 57.44 | 57.29 |
| 304634023 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.2750 | 28.8824 |
| 304634023 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435888 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634017 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634015 | XXXXXX | XXXXXX | Combined LTV | 47.52 | 47.41 |
| 304637014 | XXXXXX | XXXXXX | Combined LTV | 48.18 | 48.36 |
| 304637014 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634012 | XXXXXX | XXXXXX | Combined LTV | 72.63 | 73.01 |
| 304634012 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435882 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304637012 | XXXXXX | XXXXXX | Combined LTV | 89.73 | 89.68 |
| 304637012 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304637012 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435878 | XXXXXX | XXXXXX | Combined LTV | 57.12 | 56.87 |
| 304435878 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634007 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634007 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435876 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304634006 | XXXXXX | XXXXXX | Combined LTV | 69.68 | 69.91 |
| 304637011 | XXXXXX | XXXXXX | Combined LTV | 36.66 | 34.97 |
| 304637011 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304637011 | XXXXXX | XXXXXX | Original LTV | 9.92 | 9.52 |
| 304637011 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304634000 | XXXXXX | XXXXXX | Combined LTV | 60.23 | 60.01 |
| 304435874 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435872 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304637010 | XXXXXX | XXXXXX | Combined LTV | 55.79 | 55.63 |
| 304633999 | XXXXXX | XXXXXX | Combined LTV | 64.08 | 64.30 |
| 304633999 | XXXXXX | XXXXXX | Property Type | Condotel | Site Condo |
| 304435870 | XXXXXX | XXXXXX | Combined LTV | 43.58 | 43.48 |
| 304435870 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633998 | XXXXXX | XXXXXX | Combined LTV | 66.80 | 66.82 |
| 304633996 | XXXXXX | XXXXXX | Combined LTV | 78.97 | 78.83 |
| 304633996 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435869 | XXXXXX | XXXXXX | Combined LTV | 60.50 | 60.20 |
| 304435869 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 23.6590 | 30.3837 |
| 304633995 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 28.4180 | 35.8206 |
| 304633995 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633995 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435868 | XXXXXX | XXXXXX | Combined LTV | 70.53 | 70.52 |
| 304435868 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633994 | XXXXXX | XXXXXX | Combined LTV | 74.90 | 74.72 |
| 304633994 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 31.1430 | 34.7385 |
| 304633993 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.5630 | 23.8877 |
| 304633993 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435866 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435866 | XXXXXX | XXXXXX | Original LTV | 15.80 | 15.79 |
| 304637009 | XXXXXX | XXXXXX | Original LTV | 10.88 | 10.87 |
| 304637009 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 304435864 | XXXXXX | XXXXXX | Combined LTV | 38.62 | 38.30 |
| 304435863 | XXXXXX | XXXXXX | Combined LTV | 66.45 | 66.32 |
| 304435863 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633991 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633988 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633987 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435862 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633982 | XXXXXX | XXXXXX | Combined LTV | 61.86 | 61.28 |
| 304633982 | XXXXXX | XXXXXX | Property City | XXXXXX | XXXXXX |
| 304633982 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633981 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633981 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435858 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633978 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633978 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633977 | XXXXXX | XXXXXX | Combined LTV | 36.00 | 36.24 |
| 304633977 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633974 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633972 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.0830 | 44.4128 |
| 304633972 | XXXXXX | XXXXXX | Original LTV | 16.63 | 16.62 |
| 304633972 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435851 | XXXXXX | XXXXXX | Combined LTV | 72.94 | 73.05 |
| 304435851 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633970 | XXXXXX | XXXXXX | Combined LTV | 68.83 | 68.73 |
| 304633970 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633969 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633967 | XXXXXX | XXXXXX | Combined LTV | 74.59 | 74.47 |
| 304633967 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633966 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.7890 | 35.0490 |
| 304633966 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435850 | XXXXXX | XXXXXX | Combined LTV | 74.94 | 75.15 |
| 304435850 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633963 | XXXXXX | XXXXXX | Combined LTV | 59.02 | 59.01 |
| 304633963 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633962 | XXXXXX | XXXXXX | Combined LTV | 61.15 | 61.25 |
| 304633962 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 35.0370 | 41.4403 |
| 304633961 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633959 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 24.2270 | 31.6323 |
| 304633959 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633959 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 304633957 | XXXXXX | XXXXXX | Combined LTV | 32.30 | 32.57 |
| 304633957 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304637002 | XXXXXX | XXXXXX | Combined LTV | 64.11 | 64.10 |
| 304435847 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435845 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633955 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633954 | XXXXXX | XXXXXX | Combined LTV | 59.81 | 59.85 |
| 304633953 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.8620 | 26.7500 |
| 304633951 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633949 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435841 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435840 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633947 | XXXXXX | XXXXXX | Combined LTV | 41.45 | 41.44 |
| 304633947 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 33.9660 | 38.5487 |
| 304633946 | XXXXXX | XXXXXX | Original LTV | 14.09 | 14.08 |
| 304435839 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435838 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633945 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633945 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633942 | XXXXXX | XXXXXX | Combined LTV | 58.08 | 57.98 |
| 304435836 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304636997 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435833 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633936 | XXXXXX | XXXXXX | Combined LTV | 65.16 | 65.15 |
| 304633936 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435831 | XXXXXX | XXXXXX | Combined LTV | 73.13 | 73.12 |
| 304435831 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435830 | XXXXXX | XXXXXX | Combined LTV | 61.41 | 61.55 |
| 304435830 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435830 | XXXXXX | XXXXXX | Original LTV | 22.80 | 22.79 |
| 304435828 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633934 | XXXXXX | XXXXXX | Combined LTV | 53.33 | 53.12 |
| 304633934 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304636993 | XXXXXX | XXXXXX | Combined LTV | 84.20 | 84.04 |
| 304636993 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633930 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.0550 | 30.3629 |
| 304633930 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 304435820 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435820 | XXXXXX | XXXXXX | Original LTV | 10.21 | 10.20 |
| 304633929 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.8560 | 33.8842 |
| 304633927 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435817 | XXXXXX | XXXXXX | Combined LTV | 66.20 | 66.31 |
| 304435817 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633926 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633926 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304349085 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304349085 | XXXXXX | XXXXXX | Property Type | Attached PUD | Detached PUD |
| 304633923 | XXXXXX | XXXXXX | Combined LTV | 78.11 | 77.98 |
| 304435814 | XXXXXX | XXXXXX | Combined LTV | 55.24 | 55.05 |
| 304435814 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435813 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633921 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633920 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 10.1350 | 31.0370 |
| 304633920 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633917 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633916 | XXXXXX | XXXXXX | Combined LTV | 72.44 | 72.69 |
| 304633916 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 28.2100 | 39.0243 |
| 304435811 | XXXXXX | XXXXXX | Combined LTV | 54.82 | 54.74 |
| 304435811 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633913 | XXXXXX | XXXXXX | Combined LTV | 47.27 | 47.26 |
| 304633913 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633912 | XXXXXX | XXXXXX | Combined LTV | 58.08 | 57.98 |
| 304633912 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 19.6370 | 28.6204 |
| 304633912 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633911 | XXXXXX | XXXXXX | Combined LTV | 71.96 | 71.82 |
| 304633911 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633911 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633910 | XXXXXX | XXXXXX | Combined LTV | 81.46 | 81.62 |
| 304633910 | XXXXXX | XXXXXX | Original LTV | 27.38 | 27.37 |
| 304633910 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633909 | XXXXXX | XXXXXX | Combined LTV | 39.78 | 39.88 |
| 304633909 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633909 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435807 | XXXXXX | XXXXXX | Combined LTV | 45.45 | 44.62 |
| 304435807 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633908 | XXXXXX | XXXXXX | Combined LTV | 80.00 | 80.55 |
| 304435805 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633906 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633905 | XXXXXX | XXXXXX | Combined LTV | 69.96 | 69.95 |
| 304633905 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304636985 | XXXXXX | XXXXXX | Combined LTV | 33.20 | 33.26 |
| 304636985 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633902 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633901 | XXXXXX | XXXXXX | Combined LTV | 59.63 | 59.62 |
| 304636984 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.3300 | 33.5257 |
| 304633899 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633894 | XXXXXX | XXXXXX | Combined LTV | 34.73 | 34.85 |
| 304633894 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.9270 | 40.1584 |
| 304633893 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 22.6500 | 35.5745 |
| 304435796 | XXXXXX | XXXXXX | Combined LTV | 46.94 | 46.68 |
| 304435796 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633891 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633889 | XXXXXX | XXXXXX | Combined LTV | 67.18 | 58.35 |
| 304633889 | XXXXXX | XXXXXX | Original LTV | 14.84 | 12.94 |
| 304435792 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435792 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636983 | XXXXXX | XXXXXX | Combined LTV | 44.85 | 44.68 |
| 304636983 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 13.9580 | 24.4110 |
| 304636983 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633884 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304636982 | XXXXXX | XXXXXX | Combined LTV | 48.66 | 48.70 |
| 304435786 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633882 | XXXXXX | XXXXXX | Combined LTV | 29.61 | 29.60 |
| 304435784 | XXXXXX | XXXXXX | Combined LTV | 65.52 | 65.51 |
| 304435784 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435783 | XXXXXX | XXXXXX | Combined LTV | 36.10 | 36.21 |
| 304435783 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435783 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 304636978 | XXXXXX | XXXXXX | Combined LTV | 30.04 | 30.03 |
| 304636977 | XXXXXX | XXXXXX | Combined LTV | 75.80 | 75.66 |
| 304636977 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 304435781 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435780 | XXXXXX | XXXXXX | Combined LTV | 75.03 | 74.89 |
| 304435780 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 26.9130 | 31.9252 |
| 304435780 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633878 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 19.0590 | 41.5581 |
| 304636976 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633876 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633874 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636974 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636974 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 304636973 | XXXXXX | XXXXXX | Combined LTV | 64.27 | 64.10 |
| 304636973 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636972 | XXXXXX | XXXXXX | Combined LTV | 61.94 | 61.65 |
| 304636972 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633871 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304636971 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633869 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633868 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Detached PUD |
| 304636968 | XXXXXX | XXXXXX | Combined LTV | 38.97 | 38.71 |
| 304435773 | XXXXXX | XXXXXX | Combined LTV | 26.90 | 26.82 |
| 304435773 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633864 | XXXXXX | XXXXXX | Combined LTV | 72.54 | 72.33 |
| 304636967 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633863 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636965 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633858 | XXXXXX | XXXXXX | Combined LTV | 61.72 | 61.71 |
| 304633858 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633858 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 304633856 | XXXXXX | XXXXXX | Combined LTV | 62.26 | 62.06 |
| 304633855 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633854 | XXXXXX | XXXXXX | Combined LTV | 79.50 | 79.84 |
| 304435766 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435765 | XXXXXX | XXXXXX | Combined LTV | 75.00 | 74.67 |
| 304435765 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435764 | XXXXXX | XXXXXX | Combined LTV | 66.47 | 66.39 |
| 304435764 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435762 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633852 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304636963 | XXXXXX | XXXXXX | Original LTV | 10.62 | 10.61 |
| 304633850 | XXXXXX | XXXXXX | Combined LTV | 45.67 | 45.65 |
| 304633850 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435760 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304636962 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435757 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435756 | XXXXXX | XXXXXX | Combined LTV | 53.61 | 53.51 |
| 304435756 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435756 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636961 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435754 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304636960 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.9720 | 38.7475 |
| 304636960 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633846 | XXXXXX | XXXXXX | Combined LTV | 65.36 | 65.35 |
| 304633846 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633845 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 30.0120 | 38.9333 |
| 304633845 | XXXXXX | XXXXXX | Original LTV | 18.05 | 18.04 |
| 304636959 | XXXXXX | XXXXXX | Combined LTV | 59.33 | 58.21 |
| 304435753 | XXXXXX | XXXXXX | Combined LTV | 55.64 | 55.73 |
| 304435753 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435752 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633843 | XXXXXX | XXXXXX | Combined LTV | 70.59 | 70.87 |
| 304633843 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.0470 | 37.2751 |
| 304633843 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633841 | XXXXXX | XXXXXX | Original LTV | 17.07 | 17.06 |
| 304435750 | XXXXXX | XXXXXX | Combined LTV | 64.93 | 64.71 |
| 304435750 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304636957 | XXXXXX | XXXXXX | Combined LTV | 60.50 | 61.11 |
| 304636957 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633840 | XXXXXX | XXXXXX | Combined LTV | 74.73 | 74.66 |
| 304633838 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633837 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633837 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633835 | XXXXXX | XXXXXX | Combined LTV | 72.39 | 72.27 |
| 304435746 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633831 | XXXXXX | XXXXXX | Combined LTV | 65.80 | 65.84 |
| 304633831 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| 304435745 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633830 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633829 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 13.2740 | 40.4502 |
| 304435742 | XXXXXX | XXXXXX | Combined LTV | 66.38 | 66.25 |
| 304435742 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633828 | XXXXXX | XXXXXX | Combined LTV | 74.97 | 74.78 |
| 304633828 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633826 | XXXXXX | XXXXXX | Combined LTV | 74.75 | 74.74 |
| 304435739 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633821 | XXXXXX | XXXXXX | Combined LTV | 59.12 | 59.11 |
| 304636955 | XXXXXX | XXXXXX | Combined LTV | 73.25 | 72.94 |
| 304636953 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435737 | XXXXXX | XXXXXX | Combined LTV | 30.64 | 30.89 |
| 304435736 | XXXXXX | XXXXXX | Combined LTV | 71.03 | 71.13 |
| 304435736 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633818 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.1620 | 35.1762 |
| 304435733 | XXXXXX | XXXXXX | Combined LTV | 74.44 | 74.15 |
| 304435733 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304636951 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304636950 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633815 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435730 | XXXXXX | XXXXXX | Combined LTV | 74.09 | 73.49 |
| 304633812 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435728 | XXXXXX | XXXXXX | Combined LTV | 75.00 | 75.20 |
| 304435728 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304636949 | XXXXXX | XXXXXX | Combined LTV | 61.82 | 61.81 |
| 304636948 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633809 | XXXXXX | XXXXXX | Combined LTV | 70.78 | 70.90 |
| 304633808 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435725 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633806 | XXXXXX | XXXXXX | Combined LTV | 44.12 | 44.28 |
| 304435723 | XXXXXX | XXXXXX | Combined LTV | 79.15 | 79.05 |
| 304435723 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435722 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435721 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633805 | XXXXXX | XXXXXX | Combined LTV | 27.38 | 27.37 |
| 304633804 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435719 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633803 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435717 | XXXXXX | XXXXXX | Combined LTV | 52.33 | 52.17 |
| 304435717 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435717 | XXXXXX | XXXXXX | Original LTV | 12.70 | 12.69 |
| 304435715 | XXXXXX | XXXXXX | Combined LTV | 68.29 | 68.16 |
| 304435715 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435714 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435713 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633800 | XXXXXX | XXXXXX | Combined LTV | 75.52 | 75.56 |
| 304435712 | XXXXXX | XXXXXX | Combined LTV | 66.74 | 66.38 |
| 304435712 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633799 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.2910 | 39.4333 |
| 304633799 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633798 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636943 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633796 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633796 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435709 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304636942 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636941 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636939 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Detached PUD |
| 304633793 | XXXXXX | XXXXXX | Combined LTV | 55.34 | 54.80 |
| 304633793 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 15.9960 | 29.1744 |
| 304633793 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636937 | XXXXXX | XXXXXX | Combined LTV | 51.17 | 51.03 |
| 304636937 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435702 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435701 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633792 | XXXXXX | XXXXXX | Combined LTV | 35.71 | 34.95 |
| 304633792 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435699 | XXXXXX | XXXXXX | Combined LTV | 60.96 | 61.40 |
| 304435699 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435698 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435698 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636935 | XXXXXX | XXXXXX | Combined LTV | 79.99 | 79.77 |
| 304633789 | XXXXXX | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| 304633787 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 23.7910 | 33.8876 |
| 304633787 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633785 | XXXXXX | XXXXXX | Combined LTV | 69.84 | 69.83 |
| 304633785 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Detached PUD |
| 304633784 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633783 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633783 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633782 | XXXXXX | XXXXXX | Combined LTV | 44.18 | 44.25 |
| 304633780 | XXXXXX | XXXXXX | Combined LTV | 64.10 | 64.18 |
| 304636931 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633776 | XXXXXX | XXXXXX | Combined LTV | 58.57 | 58.62 |
| 304633775 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304636929 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435681 | XXXXXX | XXXXXX | Combined LTV | 68.49 | 68.28 |
| 304435681 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.1400 | 36.3741 |
| 304435681 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633773 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.5640 | 38.3719 |
| 304633773 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633771 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633770 | XXXXXX | XXXXXX | Combined LTV | 67.71 | 67.60 |
| 304633770 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633769 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435675 | XXXXXX | XXXXXX | Combined LTV | 49.69 | 49.68 |
| 304435674 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633764 | XXXXXX | XXXXXX | Combined LTV | 48.73 | 48.50 |
| 304435672 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435670 | XXXXXX | XXXXXX | Combined LTV | 71.13 | 71.12 |
| 304435670 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304636924 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633761 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633760 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633759 | XXXXXX | XXXXXX | Combined LTV | 64.55 | 64.70 |
| 304636923 | XXXXXX | XXXXXX | Combined LTV | 74.47 | 74.46 |
| 304636923 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435665 | XXXXXX | XXXXXX | Combined LTV | 45.78 | 45.71 |
| 304435665 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304636920 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 28.5450 | 42.8683 |
| 304633754 | XXXXXX | XXXXXX | Combined LTV | 79.78 | 79.77 |
| 304633754 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633753 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633752 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633749 | XXXXXX | XXXXXX | Combined LTV | 58.62 | 59.07 |
| 304633746 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 23.4270 | 41.8301 |
| 304435660 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435660 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| 304435659 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435658 | XXXXXX | XXXXXX | Combined LTV | 64.27 | 65.20 |
| 304435656 | XXXXXX | XXXXXX | Combined LTV | 68.37 | 68.26 |
| 304435656 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633745 | XXXXXX | XXXXXX | Combined LTV | 40.51 | 41.40 |
| 304633745 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633743 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435652 | XXXXXX | XXXXXX | Combined LTV | 79.74 | 79.64 |
| 304435652 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304636916 | XXXXXX | XXXXXX | Combined LTV | 25.35 | 25.44 |
| 304636916 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636916 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633737 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435650 | XXXXXX | XXXXXX | Combined LTV | 79.86 | 76.29 |
| 304435650 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435650 | XXXXXX | XXXXXX | Original LTV | 15.14 | 14.46 |
| 304435647 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435647 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633734 | XXXXXX | XXXXXX | Combined LTV | 68.55 | 68.54 |
| 304633734 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633734 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633732 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633731 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304636914 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 22.9710 | 26.5134 |
| 304636914 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636914 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435646 | XXXXXX | XXXXXX | Combined LTV | 72.45 | 71.88 |
| 304435646 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 304435643 | XXXXXX | XXXXXX | Combined LTV | 50.60 | 50.31 |
| 304435643 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435643 | XXXXXX | XXXXXX | Original LTV | 13.88 | 13.87 |
| 304435642 | XXXXXX | XXXXXX | Combined LTV | 79.88 | 79.87 |
| 304435642 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633728 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.5410 | 39.9354 |
| 304633728 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633727 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633726 | XXXXXX | XXXXXX | Combined LTV | 34.52 | 34.56 |
| 304636913 | XXXXXX | XXXXXX | Combined LTV | 74.69 | 74.68 |
| 304636913 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.3400 | 36.6859 |
| 304636913 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435630 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304636911 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633723 | XXXXXX | XXXXXX | Combined LTV | 63.01 | 62.37 |
| 304633723 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.6540 | 35.5817 |
| 304633723 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633721 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435625 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304348554 | XXXXXX | XXXXXX | Combined LTV | 46.97 | 47.05 |
| 304348554 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304348554 | XXXXXX | XXXXXX | Property Type | Attached PUD | Detached PUD |
| 304636910 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 20.5330 | 38.9327 |
| 304633717 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435624 | XXXXXX | XXXXXX | Combined LTV | 41.16 | 41.36 |
| 304636909 | XXXXXX | XXXXXX | Combined LTV | 35.43 | 35.23 |
| 304636909 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633714 | XXXXXX | XXXXXX | Combined LTV | 64.84 | 64.74 |
| 304633714 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.7030 | 37.5234 |
| 304435621 | XXXXXX | XXXXXX | Combined LTV | 68.14 | 67.70 |
| 304435621 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.6140 | 35.1394 |
| 304435618 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633713 | XXXXXX | XXXXXX | Combined LTV | 78.66 | 78.58 |
| 304633713 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435615 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304636908 | XXXXXX | XXXXXX | Combined LTV | 74.87 | 74.75 |
| 304633711 | XXXXXX | XXXXXX | Original LTV | 14.21 | 14.20 |
| 304435614 | XXXXXX | XXXXXX | Combined LTV | 69.05 | 69.30 |
| 304435614 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435613 | XXXXXX | XXXXXX | Original LTV | 16.38 | 16.37 |
| 304435613 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435612 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633707 | XXXXXX | XXXXXX | Combined LTV | 74.94 | 74.81 |
| 304633707 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636907 | XXXXXX | XXXXXX | Combined LTV | 34.09 | 34.33 |
| 304636907 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633703 | XXXXXX | XXXXXX | Combined LTV | 69.80 | 69.86 |
| 304633703 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633701 | XXXXXX | XXXXXX | Combined LTV | 34.35 | 34.29 |
| 304435610 | XXXXXX | XXXXXX | Combined LTV | 64.06 | 63.87 |
| 304633700 | XXXXXX | XXXXXX | Combined LTV | 79.58 | 79.46 |
| 304633700 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435609 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304636906 | XXXXXX | XXXXXX | Combined LTV | 68.06 | 67.95 |
| 304636906 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633699 | XXXXXX | XXXXXX | Combined LTV | 61.38 | 61.32 |
| 304636903 | XXXXXX | XXXXXX | Combined LTV | 66.63 | 66.84 |
| 304636903 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.9320 | 35.8432 |
| 304435605 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633698 | XXXXXX | XXXXXX | Combined LTV | 69.92 | 69.89 |
| 304633698 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435604 | XXXXXX | XXXXXX | Combined LTV | 71.99 | 71.53 |
| 304633696 | XXXXXX | XXXXXX | Combined LTV | 31.57 | 31.44 |
| 304633696 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.8060 | 32.0771 |
| 304633696 | XXXXXX | XXXXXX | Original LTV | 8.95 | 8.94 |
| 304633695 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633693 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435603 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633692 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435602 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633690 | XXXXXX | XXXXXX | Combined LTV | 67.40 | 67.27 |
| 304435599 | XXXXXX | XXXXXX | Combined LTV | 38.41 | 38.40 |
| 304633687 | XXXXXX | XXXXXX | Combined LTV | 71.01 | 71.03 |
| 304636901 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636901 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633684 | XXXXXX | XXXXXX | Combined LTV | 31.49 | 31.52 |
| 304633684 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 32.0240 | 37.9332 |
| 304633684 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304636900 | XXXXXX | XXXXXX | Combined LTV | 53.22 | 53.28 |
| 304633681 | XXXXXX | XXXXXX | Combined LTV | 72.45 | 72.07 |
| 304633681 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 30.4140 | 36.4332 |
| 304435595 | XXXXXX | XXXXXX | Combined LTV | 78.05 | 77.76 |
| 304435595 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633680 | XXXXXX | XXXXXX | Combined LTV | 69.72 | 70.00 |
| 304633680 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.4570 | 35.4086 |
| 304435593 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633676 | XXXXXX | XXXXXX | Combined LTV | 68.56 | 68.55 |
| 304633676 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.7710 | 32.6701 |
| 304633674 | XXXXXX | XXXXXX | Combined LTV | 75.00 | 75.16 |
| 304633674 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633672 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 17.2980 | 29.8995 |
| 304636899 | XXXXXX | XXXXXX | Combined LTV | 46.20 | 46.19 |
| 304636899 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 20.8110 | 28.6490 |
| 304636899 | XXXXXX | XXXXXX | Original LTV | 6.46 | 6.45 |
| 304636899 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304636898 | XXXXXX | XXXXXX | Combined LTV | 66.05 | 65.97 |
| 304636898 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 20.4910 | 31.7353 |
| 304435591 | XXXXXX | XXXXXX | Combined LTV | 77.98 | 78.35 |
| 304435591 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633671 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 24.7560 | 30.5549 |
| 304633671 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633671 | XXXXXX | XXXXXX | Original LTV | 12.27 | 12.26 |
| 304435588 | XXXXXX | XXXXXX | Combined LTV | 55.52 | 54.81 |
| 304435588 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435588 | XXXXXX | XXXXXX | Original LTV | 14.95 | 14.76 |
| 304633670 | XXXXXX | XXXXXX | Combined LTV | 57.12 | 57.25 |
| 304633670 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633670 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633669 | XXXXXX | XXXXXX | Original LTV | 16.79 | 16.78 |
| 304633669 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304636893 | XXXXXX | XXXXXX | Original LTV | 19.77 | 19.76 |
| 304435584 | XXXXXX | XXXXXX | Combined LTV | 64.25 | 64.16 |
| 304435583 | XXXXXX | XXXXXX | Combined LTV | 80.00 | 79.99 |
| 304435583 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633662 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 19.5440 | 34.6420 |
| 304435578 | XXXXXX | XXXXXX | Combined LTV | 68.00 | 67.88 |
| 304435578 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435577 | XXXXXX | XXXXXX | Combined LTV | 59.73 | 59.81 |
| 304633661 | XXXXXX | XXXXXX | Combined LTV | 56.52 | 56.20 |
| 304633660 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633659 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 40.1990 | 35.9114 |
| 304633659 | XXXXXX | XXXXXX | Original LTV | 15.27 | 15.26 |
| 304633658 | XXXXXX | XXXXXX | Original LTV | 19.38 | 19.37 |
| 304633657 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| 304633656 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633656 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633656 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633655 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.2220 | 31.6243 |
| 304633654 | XXXXXX | XXXXXX | Original LTV | 8.84 | 8.83 |
| 304435575 | XXXXXX | XXXXXX | Combined LTV | 68.88 | 68.41 |
| 304435573 | XXXXXX | XXXXXX | Combined LTV | 58.82 | 58.73 |
| 304435573 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633650 | XXXXXX | XXXXXX | Combined LTV | 67.40 | 67.00 |
| 304633650 | XXXXXX | XXXXXX | Original LTV | 35.72 | 35.71 |
| 304435572 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435572 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633649 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633649 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636888 | XXXXXX | XXXXXX | Combined LTV | 74.82 | 73.94 |
| 304636888 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633645 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633645 | XXXXXX | XXXXXX | Original LTV | 6.63 | 6.62 |
| 304435571 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633641 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.8180 | 40.0633 |
| 304633641 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633641 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435570 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633639 | XXXXXX | XXXXXX | Combined LTV | 67.39 | 67.38 |
| 304435568 | XXXXXX | XXXXXX | Combined LTV | 73.46 | 73.25 |
| 304435568 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435565 | XXXXXX | XXXXXX | Combined LTV | 70.76 | 70.65 |
| 304435563 | XXXXXX | XXXXXX | Combined LTV | 52.37 | 52.19 |
| 304435563 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633636 | XXXXXX | XXXXXX | Combined LTV | 68.93 | 69.05 |
| 304633632 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 18.2480 | 22.2077 |
| 304633631 | XXXXXX | XXXXXX | Combined LTV | 75.00 | 74.87 |
| 304435561 | XXXXXX | XXXXXX | Combined LTV | 78.17 | 78.05 |
| 304636884 | XXXXXX | XXXXXX | Combined LTV | 62.42 | 62.14 |
| 304435559 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435557 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435556 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435555 | XXXXXX | XXXXXX | Combined LTV | 59.72 | 59.45 |
| 304435555 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633629 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 28.9460 | 32.9857 |
| 304435553 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435549 | XXXXXX | XXXXXX | Combined LTV | 79.34 | 79.35 |
| 304435549 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633621 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633619 | XXXXXX | XXXXXX | Combined LTV | 64.73 | 64.79 |
| 304633619 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304636878 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633615 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633615 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304636876 | XXXXXX | XXXXXX | Combined LTV | 35.17 | 37.93 |
| 304636876 | XXXXXX | XXXXXX | Original LTV | 3.88 | 3.86 |
| 304435542 | XXXXXX | XXXXXX | Combined LTV | 69.36 | 69.51 |
| 304435542 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304636875 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435540 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633610 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633610 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633609 | XXXXXX | XXXXXX | Combined LTV | 60.76 | 60.84 |
| 304633609 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633608 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 304633606 | XXXXXX | XXXXXX | Combined LTV | 32.24 | 32.34 |
| 304633606 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633605 | XXXXXX | XXXXXX | Combined LTV | 71.06 | 71.05 |
| 304633605 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435537 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633604 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633604 | XXXXXX | XXXXXX | Original LTV | 15.44 | 15.43 |
| 304633604 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304636873 | XXXXXX | XXXXXX | Combined LTV | 74.27 | 73.94 |
| 304636873 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636873 | XXXXXX | XXXXXX | Original LTV | 30.68 | 30.67 |
| 304633600 | XXXXXX | XXXXXX | Combined LTV | 61.76 | 61.67 |
| 304633599 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435534 | XXXXXX | XXXXXX | Combined LTV | 62.73 | 62.58 |
| 304435531 | XXXXXX | XXXXXX | Combined LTV | 62.20 | 61.90 |
| 304435531 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633596 | XXXXXX | XXXXXX | Combined LTV | 70.49 | 70.75 |
| 304435529 | XXXXXX | XXXXXX | Combined LTV | 66.22 | 66.21 |
| 304435529 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435527 | XXXXXX | XXXXXX | Combined LTV | 57.60 | 57.50 |
| 304435527 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 39.7340 | 31.1801 |
| 304435527 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633595 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633595 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435524 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435524 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435524 | XXXXXX | XXXXXX | Original LTV | 13.26 | 13.25 |
| 304633594 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.2110 | 39.2671 |
| 304636868 | XXXXXX | XXXXXX | Combined LTV | 75.96 | 76.13 |
| 304435522 | XXXXXX | XXXXXX | Combined LTV | 76.54 | 76.32 |
| 304633591 | XXXXXX | XXXXXX | Combined LTV | 52.69 | 52.68 |
| 304636867 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633590 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633589 | XXXXXX | XXXXXX | Combined LTV | 56.41 | 56.43 |
| 304636864 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435515 | XXXXXX | XXXXXX | Combined LTV | 67.94 | 67.74 |
| 304435515 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 38.9110 | 33.3048 |
| 304435515 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633586 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633583 | XXXXXX | XXXXXX | Combined LTV | 56.11 | 55.86 |
| 304636861 | XXXXXX | XXXXXX | Combined LTV | 59.84 | 59.62 |
| 304636861 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435513 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.0780 | 38.2594 |
| 304435513 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633580 | XXXXXX | XXXXXX | Combined LTV | 40.23 | 40.25 |
| 304633580 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633579 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633578 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633578 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304636860 | XXXXXX | XXXXXX | Combined LTV | 59.94 | 59.80 |
| 304636860 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 37.5080 | 32.4848 |
| 304636860 | XXXXXX | XXXXXX | Property Type | Condotel | Site Condo |
| 304636859 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 42.8660 | 39.2947 |
| 304633576 | XXXXXX | XXXXXX | Combined LTV | 61.17 | 61.56 |
| 304633574 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 41.3910 | 35.7987 |
| 304435508 | XXXXXX | XXXXXX | Combined LTV | 76.27 | 76.02 |
| 304435508 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435507 | XXXXXX | XXXXXX | County Name | XXXXXX | XXXXXX |
| 304435507 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435505 | XXXXXX | XXXXXX | Combined LTV | 69.97 | 69.96 |
| 304435505 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633571 | XXXXXX | XXXXXX | Combined LTV | 43.69 | 43.48 |
| 304435501 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633569 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| 304435497 | XXXXXX | XXXXXX | Property Type | Condotel | Low Rise Condo (1-4) |
| 304633566 | XXXXXX | XXXXXX | Combined LTV | 67.23 | 69.37 |
| 304633566 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.4660 | 34.9204 |
| 304633566 | XXXXXX | XXXXXX | Original LTV | 27.07 | 27.86 |
| 304636854 | XXXXXX | XXXXXX | Combined LTV | 63.95 | 64.04 |
| 304636854 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435491 | XXXXXX | XXXXXX | Combined LTV | 42.90 | 43.44 |
| 304435491 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633559 | XXXXXX | XXXXXX | Original LTV | 34.76 | 34.75 |
| 304633558 | XXXXXX | XXXXXX | Original LTV | 9.18 | 9.17 |
| 304633557 | XXXXXX | XXXXXX | Combined LTV | 79.44 | 79.69 |
| 304633557 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633556 | XXXXXX | XXXXXX | Combined LTV | 51.53 | 50.91 |
| 304435487 | XXXXXX | XXXXXX | Combined LTV | 52.70 | 52.60 |
| 304435487 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633553 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435485 | XXXXXX | XXXXXX | Combined LTV | 71.68 | 71.51 |
| 304435485 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.3390 | 31.3531 |
| 304435485 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435484 | XXXXXX | XXXXXX | Combined LTV | 41.98 | 41.91 |
| 304435484 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304636850 | XXXXXX | XXXXXX | Combined LTV | 35.28 | 35.31 |
| 304636850 | XXXXXX | XXXXXX | Original LTV | 6.05 | 6.06 |
| 304435482 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633551 | XXXXXX | XXXXXX | Original LTV | 8.70 | 8.69 |
| 304633551 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633550 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 15.1260 | 26.4081 |
| 304633549 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304636849 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 26.0190 | 30.8063 |
| 304435478 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435476 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633541 | XXXXXX | XXXXXX | Combined LTV | 74.98 | 74.19 |
| 304633541 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435473 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435472 | XXXXXX | XXXXXX | Combined LTV | 50.66 | 50.79 |
| 304435472 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435472 | XXXXXX | XXXXXX | Original LTV | 29.07 | 29.06 |
| 304633537 | XXXXXX | XXXXXX | Combined LTV | 74.79 | 74.68 |
| 304633537 | XXXXXX | XXXXXX | Original LTV | 18.14 | 18.13 |
| 304633537 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304435471 | XXXXXX | XXXXXX | Combined LTV | 65.31 | 65.51 |
| 304435467 | XXXXXX | XXXXXX | Combined LTV | 62.66 | 61.38 |
| 304435467 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435466 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633535 | XXXXXX | XXXXXX | Combined LTV | 28.75 | 28.74 |
| 304633534 | XXXXXX | XXXXXX | Combined LTV | 82.11 | 81.99 |
| 304633533 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304636845 | XXXXXX | XXXXXX | Combined LTV | 51.07 | 51.15 |
| 304636845 | XXXXXX | XXXXXX | Original LTV | 10.87 | 10.86 |
| 304633527 | XXXXXX | XXXXXX | Combined LTV | 50.46 | 50.37 |
| 304633527 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633527 | XXXXXX | XXXXXX | Original LTV | 10.51 | 10.50 |
| 304633526 | XXXXXX | XXXXXX | Combined LTV | 53.88 | 53.78 |
| 304633526 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 25.3220 | 39.6328 |
| 304633526 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633524 | XXXXXX | XXXXXX | Combined LTV | 61.27 | 61.26 |
| 304633524 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 34.7110 | 30.1324 |
| 304636842 | XXXXXX | XXXXXX | Combined LTV | 79.97 | 79.96 |
| 304636842 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633522 | XXXXXX | XXXXXX | Combined LTV | 77.61 | 77.60 |
| 304633522 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304435459 | XXXXXX | XXXXXX | Combined LTV | 45.24 | 45.07 |
| 304435459 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633519 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633518 | XXXXXX | XXXXXX | Combined LTV | 69.93 | 69.76 |
| 304633518 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 20.8680 | 37.4913 |
| 304633516 | XXXXXX | XXXXXX | Combined LTV | 71.51 | 71.07 |
| 304633515 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633513 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633512 | XXXXXX | XXXXXX | Combined LTV | 43.51 | 43.39 |
| 304633512 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 35.4600 | 25.2546 |
| 304636840 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633511 | XXXXXX | XXXXXX | Original LTV | 23.80 | 23.79 |
| 304636839 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 304633509 | XXXXXX | XXXXXX | Property Type | SFR-Attached | Attached PUD |
| 304636837 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633506 | XXXXXX | XXXXXX | Combined LTV | 47.22 | 47.10 |
| 304633506 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 27.6450 | 41.0403 |
| 304633506 | XXXXXX | XXXXXX | Lender Application Date | XXXXXX | XXXXXX |
| 304633505 | XXXXXX | XXXXXX | Combined LTV | 59.99 | 59.84 |
| 304633505 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 28.5960 | 43.2314 |
| 304435449 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304633501 | XXXXXX | XXXXXX | Combined LTV | 74.85 | 74.63 |
| 304435448 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304435447 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 304633498 | XXXXXX | XXXXXX | Combined LTV | 68.69 | 68.68 |
| 304636833 | XXXXXX | XXXXXX | Combined LTV | 50.53 | 50.38 |
| 304636833 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| 304436073 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 304436073 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 304436072 | XXXXXX | XXXXXX | Loan Purpose | Home Improvement | Cashout Refi |
| 304436072 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 304436070 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 31.6780 | 44.2964 |
| 304436070 | XXXXXX | XXXXXX | Original Term | 309 | 240 |
| 304436070 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 304436066 | XXXXXX | XXXXXX | Combined LTV | 70.70 | 72.36 |
| 304436066 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 22.3090 | 33.1294 |
| 304436066 | XXXXXX | XXXXXX | Original Term | 327 | 240 |
| 304436066 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 304634256 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 304634255 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 304634253 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 304634252 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 22.6430 | 36.8604 |
| 304634252 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 304634251 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 36.7080 | 44.9340 |
| 304634251 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |
| 304634243 | XXXXXX | XXXXXX | Combined LTV | 85.00 | 84.76 |
| 304634243 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 19.5000 | 41.8465 |
| 304634243 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 304634243 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| 304634243 | XXXXXX | XXXXXX | Original LTV | 17.00 | 16.41 |
| 304634243 | XXXXXX | XXXXXX | Seller Loan Number | XXXXXX | XXXXXX |

---

## Exhibit 99.8

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.8**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 304436073 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | Both Final CD 9/17/24 & PCD 10/1/24, in Loan Disclosures section, selection not indicated whether an Escrow Acct was declined vs. not offered; Corrected PCD & LOX missing. | 10/09/2024 Client provided a copy of PCCD dated 10/1 and Final PCCD 10/09 with correction, LOE and Final Settlement Statement. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 29.17% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 41 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 23.83 years |
| 304436073 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Application | Satisfied D | CRDAPP130 | Application is incomplete | No | Missing supplemental consumer information form. | 10/15/2024 client provided supplemental consumer information form. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 29.17% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 41 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 23.83 years |
| 304436072 | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide the lender's ATR/QM determination | 10/01/2024 client provided ATR testing which passed. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 61% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 24 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 22.7 years |
| 304436070 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | DTI | Satisfied B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Calculated DTI is 45.11%. Lender calculated DTI at 45.00% Income is $XXXX.XX per month, 1st mortgage payment is $XXXX.XX per month and remaining debt of $XXX.XX per month. | 10/08/2024 client provided an updated 1003 and 1008 showing lender used bonus income of $XXX.XX. Used most conservative average of 19 months or $XX.XX per month. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 51 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 13 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 28.5 years |
| 304436066 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Insurance | Satisfied D | CRDINSR848 | Missing Hazard Insurance | No | Provide Hazard Insurance documentation | 10.7.2024 Client provided subject HOI policy | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 73% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 34 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 33.13% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 9 years |
| 304436065 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Title | Satisfied D | CRDTIL796 | Missing Title | No | Provide copy of Title | 9/16/2024 client provided documentation regarding a prior mortgage being paid off. Condition still remains for a copy of the Title Commitment.9/18/2024 client provided a copy of a Satisfaction of Security Instrument. Condition remains for Per guidelines, loan amounts at $XXX or below require an Owner and Encumbrance Property Report dated within 60 days of Note Date. 9.20.2024 Client provided Abstract Worksheet however still missing copy of Title. Condition remains 10.4.2024 Client provided copy of Ownership & Encubrance Report and appears there was an Open End Deed of Trust w/Equity Services, Inc in the amount of $XXX dated XXX and not reflected on credit report, verify this have been paid and closed. 10.7.2024 Client provided copy of recorded Satisfaction of Security Instrument for Open End Deed of Trust w/Equity Services dated March 30, 2007 and file have 1st lien Deed of Trust for Maturity Date and remaining term info. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 69% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.11% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 17 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 11 years |
| 304634256 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $54.95 due to added Verification fee on LE 10/30/24 with no valid COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/09/2024 Client provided missing LE 10/25 with COC for corresponding Verification fee added. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 60% below guideline requirements of 70%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 42 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.20% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 30 years |
| 304634256 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide the lender's QM determination | 12/09/2024 client provided lender's ATR determination. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 60% below guideline requirements of 70%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 42 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.20% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 30 years |
| 304634256 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Insurance | Satisfied D | CRDINSR848 | Missing Hazard Insurance | No | Provide Hazard Insurance documentation | 12/09/2024 client provided a copy of the hazard insurance. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 60% below guideline requirements of 70%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 42 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.20% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 30 years |
| 304634255 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $1375 due to added Discount Points on LE 11/15/24 with no valid reasons documented on COC 11/15/24 or updated Rate Lock Agreement in file. Condition is pending receiving a valid Change of Circumstances/ updated Rate Lock or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/23/2024 Client provided COC 11/15 reflecting change to Discount Points, however is missing what the change was. Condition remains. Provide a detailed explanation of what changes the Borrower requested resulting in the increased fee.01/04/2025 Client provided PCCD 1/3 with cure, copy of cure check and LOE. Condition remains for delivery via tracking. 01/07/2024 Client provided Shipping labal in transit status. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 63% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.82% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20.5 years |
| 304634253 | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | Non-QM: Lender documented all ATR UW factors D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Missing some of the note pages | 12/26/2024 Client provided all pages of the Missing Note executed at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 89 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.03% below guideline requirement of 45% |
| 304634253 | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | Non-QM: Lender documented all ATR UW factors D B | Compliance | Documentation | Satisfied | CMPDOC3076 | Legal document was not executed or is incomplete | No | Final CD 12/6/24 missing pg 3; Complete Final CD missing for proper/correct testing. | 12/26/2024 Client provide complete Final CD 12/6 executed at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 89 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.03% below guideline requirement of 45% |
| 304634253 | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | Non-QM: Lender documented all ATR UW factors D B | Compliance | Documentation | Satisfied D | CMPDOC195 | Missing Note | No | Note missing (pg 2 enclosed). | 12/26/2024 Client provided all pages of the Missing Note executed at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 89 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.03% below guideline requirement of 45% |
| 304634253 | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | Non-QM: Lender documented all ATR UW factors D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Note missing (pg 2 enclosed). | 12/26/2024 Client provided all pages of the Missing Note executed at closing. | Condition Satisifed. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 89 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.03% below guideline requirement of 45% |
| 304634253 | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | Non-QM: Lender documented all ATR UW factors D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | 10% Tolerance Fee of 50.50 Due to SPL missing (enclosed SPL is for cannot shop), all applicable fees are present; Condition pending receipt of correct/shop-able SPL. | 12/26/2024 Client provided Note and Final CD. Condition remains. 10% testing due to the Additional Details for services you CAN NOT shop for. Provided the SPL reflecting Services you CAN shop for. .Additional Conditions may apply.01/04/2025 Client provided PCCD 1/3/2025 with cure, copy of the cure check and LOE. Condition remains for evidence of delivery via tracking. 01/06/2025 Client provided Shipping label in transit status. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 89 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.03% below guideline requirement of 45% |
| 304634252 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance in amount of $13.00 due to Flood Cert fee added on Initial CD 11/26/24 with no COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/10/2025 Client provided COC 11/26 reflecting Flood Cert not disclosed - cured on Initial CD. Condition remains. Provide the change that occurred resulting in the adding of the fee after the Initial LE Disclosure, for review or PCCD with cure, copy of cure check, LOE to Borrower and evidence of shipment. Additional Conditions may apply. 01/13/2025 Client provided PCCD 1/13 reflecting cure and LOE. Condition remains. Provide copy of the cure check and evidence package sent. 01/14/2025 Client provided a copy of the refund check. Condition remains for method of shipment.01/14/2025 Client sent was is labeled as XXX label, however when opened, it is a copy of the refund check. Condition remains for the method of Shipment. 01/14/2025 Client provided a copy of the XXX label for method of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 63% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 51 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.86% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 9.5 years |
| 304634251 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $25 due to increase in Appraisal Rent Schedule. COC dated 11/25/24 doesn't document as to why fee was increased from original $100 on CD 11/22/24 to $125 on CD 11/26/24. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund | 12/17/2024 Client provided a COC 11/25 reflecting a rent schedule needed per Program guidelines. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 44 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 20 years |
| 304634251 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | 10% Tolerance in amount of $231.10 due to increased/ added title fees (added 2nd Processing fee and increased Search fee) with no COC in file. Borrower selected title provider form SPL, all title fees including Recording fee are tested for 10% violation. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/17/2024 Client provided a COC dated 11/21 reflecting Title confirmed their fees for this transaction. Condition remains. Provide a valid reason for the changes to these Title fees including listing the changes individually for review. Additional conditions may apply. 12/18/2024 Client provided a Collaborate comment: The reason for the changes on the COC is due to an additional appraiser charge based on additional rental schedules necessary per program guidelines. The Zero tolerance for the Appraisal has been cleared. Condition remains for the 10% Tolerance needing valid reasons for the Title fee changes as Rent Schedules is not a valid reason or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking.12/18/2024 Client provided rebuttal document stating: New information specific to the consumer or transaction that the creditor did not rely on when providing the original disclosures required under paragraph (e)(1)(i) of this section. Condition remains. Provide the reason the Title Company had to increase the title Search fee. \*\*\*Retesting results in a tolerance amount change for the Title Search fee. New 10% tolerance of $165.10.12/19/2024 Client provided email evidence that the Title Co. pays an abstractor a fee for an examination supported by a separate exam in file dated 11/21 which is within 3 days of fee being diclosed. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 44 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 20 years |
| 304634251 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | DTI | Satisfied B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Clayton UW calculated the base income from the wage income less than the lender causing a rise in the DTI over the guideline maximum of 45%. | 12/19 Client asked for a review and provided their OT income calculation and XXX calculation; Upon review DD can support the Clients OT calculation of $350.97, However, Clayton SE calculation remains using 2023 12 m avg DTI 46.2412/23 Client asked for a review upon review the DTI variance is caused by Clayton 1st mtg PITIA taken from current mtg statement $XXXX.XX and Client is using $XXXX.XX for the PITIA; Condition remains 1/2 Client provided an Email that " taxes and Ins were taken from the tax and ins statements" provide supporting documents used for PITIA calculation for DD review 1/6 Client provided the supporting taxes and insurance bill for the PITI calculation used to qualify | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 44 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 20 years |
| 304634243 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3708 | TRID - Curable Issue #2 related to the Closing Disclosure in file | No | CD's dated 01/02/2025, 01/07/2025, and 01/09/2025 reflect $0 for Estimated Taxes, Insurance & Assessments in the Projected Payment section. For junior liens, disclosure of the first lien Taxes, Insurance & Assessments is required. | 01/21/2025 Client provided PCCD 1/21 with correction and LOE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 85% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 65 months exceeds guidelines of 12 months |
| 304634243 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | Credit | Application | Satisfied D | CRDAPP157 | Application Not Signed by Primary Borrower | No | Provide an executed final 1003. | 1/20/2025 client provided signed Final 1003. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 85% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 65 months exceeds guidelines of 12 months |
| 304436063 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Property Valuations | FEMA | Satisfied B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No subsequent property inspection completed after the these FEMA Disaster Declaration # XXXX date of effective for X/XX/XX for XXX | 10.21.2024 Client provided Post Disaster inspection dated XX.XX.XXXX with no damage along with exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 47.94% is 22.06 points below the guideline program minimum.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 8 years. |
| 304436062 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have occupied subject property for 19 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in XXX for 25 years. B2 has been in XXX for 25 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with XXX for 25 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.57% CLTV < maximum permitted of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 mid score > minimum required of 660 (up to 70% CLTV)<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x53 months > minimum required of 0x30 x12 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: Consumer debt: 0x30 x99 months > minimum required of 0x30 x24 monthsLow revolving credit usage @ 8.00% |
| 304436061 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 24 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 40.58% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 752 is 92 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304634240 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 802 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 12 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.97% is below lender's guide line maximum of 45%. |
| 304634238 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.45% below guideline requirement 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property > 8 years. |
| 304634235 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 8 years and 1 month.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 7 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.26% LTV below guideline requirements of 80.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.10% DTI is below guideline requirement of 45.00%. |
| 304634233 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 805 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.04 DTI below guideline of 45. |
| 304634231 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.30 DTI below guideline of 45. |
| 304634230 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.92% is below lender's guide line maximum of 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 6 years at current job. |
| 304634229 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Satisfied B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | 01/23/2025 Client provided missing List of homeowners counseling organizations dated 12/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 24 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 16 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 24.63% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 791 is 131 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 12.71% DTI is below guideline requirement of 45.00%. |
| 304637084 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 55% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 50 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 32.53% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 23 years |
| 304634228 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Property Valuations | Property | Waived B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No | Acreage XX XXXXX exceeds 10 acres. | 1.23.2025 Client provided exception approval for XXXXXXX XX XX exceeding guidelines of 10 acres. | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, 63.45% CLTV (Max CLTV 75.00%) and Borrower having over 8 years at subject property and being with same employer over 18 years. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 18 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 690 exceeds guide lines. |
| 304436057 | XXXXXX | XXXXXX | RI | QM: Safe Harbor | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied B | CMPSTCP1307 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not dated | No | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) not in file. | 10/16/2024 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 9/3. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 resides at current residence for 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers median credit score of 745 is 45 more points than minimum required score of 700.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers' have positive mortgage history of 19/19/14 months @ 0 x 30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The back end DTI of 37.54% is 7.46% < maximum DTI of 45.00%. |
| 304436057 | XXXXXX | XXXXXX | RI | QM: Safe Harbor | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied B | CMPSTCP1319 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not dated | No | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) not in file. | 10/16/2024 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 9/3. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 resides at current residence for 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers median credit score of 745 is 45 more points than minimum required score of 700.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers' have positive mortgage history of 19/19/14 months @ 0 x 30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The back end DTI of 37.54% is 7.46% < maximum DTI of 45.00%. |
| 304436057 | XXXXXX | XXXXXX | RI | QM: Safe Harbor | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied D | CMPSTCP1297 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | No | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) not in file. | 10/16/2024 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 9/3. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 resides at current residence for 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers median credit score of 745 is 45 more points than minimum required score of 700.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers' have positive mortgage history of 19/19/14 months @ 0 x 30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The back end DTI of 37.54% is 7.46% < maximum DTI of 45.00%. |
| 304436057 | XXXXXX | XXXXXX | RI | QM: Safe Harbor | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied D | CMPSTCP1309 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | No | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) not in file. | 10/16/2024 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 9/3. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 resides at current residence for 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers median credit score of 745 is 45 more points than minimum required score of 700.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers' have positive mortgage history of 19/19/14 months @ 0 x 30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The back end DTI of 37.54% is 7.46% < maximum DTI of 45.00%. |
| 304634227 | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.93 DTI below guideline of 45.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x24 mortgage payment history exceeds guideline of 0x30x12. |
| 304634226 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max allowed DTI is 50% and the borrowers have a 34.551% DTI.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max allowed CLTV is 80% and ther borrowers have a 74.628% CLTV. |
| 304436055 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 17.9 years current job time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 60 mos. mtg. payment hist. exceeds min. guideline requirement of 12 mos.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 23% revolving credit line utilization<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 19.1 years in same line of work/profession |
| 304436053 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Fees exceed allowable threshold of 3.50%.10/16/24 Update: Fees are within the 5% allowable tolerance. APR test causing the QM difference (Internal testing is QM RP). | 10/16/24 Client provided an updated XXX report reflecting QM Presumption of Compliance due to HPML. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 34 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x27 exceeds mortgage history guidelines. |
| 304637083 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 54% CLTV is 36% below the maximum allowed CLTV of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The 802 credit score exceeds the 660 guideline minimum credit score by 142 points. |
| 304634224 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.87% LTV below guideline requirements of 75.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 19 years and 11 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60 months. |
| 304436051 | XXXXXX | XXXXXX | GA | QM: Safe Harbor | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied D | CRDCRMH183 | Credit report incomplete | No | Missing credit report and credit score for Co-Borrower on Note. | 10/10/2024 client provided a CBR for co-borrower. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has significant time at current residence with 7.11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines at 740 with a minimum credit score of 700. |
| 304436050 | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) D | Credit | Title | Satisfied D | CRDTIL796 | Missing Title | No | Missing title. | 10/23/2024 client provided title report. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 735 > is above guideline minimum credit score.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 7 years. |
| 304634221 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/22/2025 Client provided a screen print reflecting CD sent E-sign 12/13 and also XXX 12/13. Mail rule applies, 3 days for delivery and 3 day waiting period allowing for earliest delivery 12/20. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.17% DTI below guideline of 45%. |
| 304634221 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Credit/Mtg History | Satisfied B | CRDCRMH123 | No evidence of required debt payoff | No | Missing evidence that the XXX charge off was paid off in full. Credit report shows a balance of $XX,XXX but final CD only shows a payoff amount of $X,XXX. | 1.21.2025 Client provided copy of Law Office Settlement letter for XXX settling for $X,XXX in which is the amount paid off on subject CD. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 719 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.17% DTI below guideline of 45%. |
| 304634220 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 780 exceeds guide lines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 25.44% is below lender's guide line maximum of 80%. |
| 304634218 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 47.26% max per guidelines is 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 30.53% max per guidelines is 45%. |
| 304634216 | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 21.70 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The CLTV of 42.17% is 32.83% < maximum CLTV of 75.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has positive mortgage history of 13/166 months @ 0 x 30.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower significant time as a XXX for 8.90 years. |
| 304634214 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The 50% CLTV is 35% below the guideline requirement of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The 758 credit score exceeds the guideline minimum credit score of 660 by 98 points. |
| 304634211 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 on current and previous mortgages<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 20 years |
| 304634210 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 11 years at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 53.26% below guideline requirements 80.00%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.14% below guideline requirement 45.00%. |
| 304634208 | XXXXXX | XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 740 exceeds guide lines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0X43 mortgage payment history exceeds guide lines of 24 months. |
| 304436042 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Missing XXX in file to verify Lender's ATR/QM status determination | 10/09/2024 client provided XXX report. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years and 1 month<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.85% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 707 is 47 points above program guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 49+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304637082 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | RESPA | Satisfied B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Application Date 11/19/2024. Acknowledgement of HCO 12/12/2024. | 01/04/2025 Client provided the missing List of homeowners counseling organizations dated 11/19. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.05% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 713 is 53 points above program guideline minimum of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 31 years and 3 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 11 years |
| 304637082 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | Texas Home Equity | Satisfied B | CMPTXHE111 | Texas Equity - Itemized disclosure of fees not provided prior to closing; missing supporting documents for election to proceed | No | Texas Equity- Missing Itemized disclosure. | 01/09/2025 Client provided an Email dated 12/11 reflecting FCD sent as an attachment. Per review by Internal Compliance Counsel the Condition remains for evidence of receipt by all title holders a minimum of 1 day prior to closing. 01/13/2025 Client provided Collaborate comment: Borrower is the only one on title. Condition remains. Provide Acknowledgement of receipt of FCD at least 1 day prior to closing. 01/30/2025 Client provided an email from Bororwer reflecting Itemized fees were received 12/22 prior to closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.05% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 713 is 53 points above program guideline minimum of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 31 years and 3 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 11 years |
| 304637082 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | Texas Home Equity | Satisfied B | CMPTXHE846 | TX Equity - Closed before later of appl/discl + 12 days | No | Application date is 11/19/2024; Notice Concerning Extensions of Credit is dated 12/12/2024; Note date is 12/12/2024. Both the Application and Notice Concerning Extensions of Credit must be executed at least 12 days prior to closing | 01/04/2025 Client provided the Notice Concerning Extensions disclosure dated 11/19. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.05% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 713 is 53 points above program guideline minimum of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 31 years and 3 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 11 years |
| 304637082 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.05% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 713 is 53 points above program guideline minimum of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 31 years and 3 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 11 years |
| 304637082 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.05% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 713 is 53 points above program guideline minimum of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 31 years and 3 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 11 years |
| 304637082 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of LE 12/5/24 3 days prior to consummation date of 12/12/2024. | 01/04/2025 Client provided a XXX for the Borrower reflecting LE was sent on 12/05 however it does not reflect a Completed status. Provide evidence that the Borrower received the last LE 12/5. 01/07/2025 Client provided a Collaborate comment: Audit trail reflected document was viewed on 12-05-24. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.05% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 713 is 53 points above program guideline minimum of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 31 years and 3 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 11 years |
| 304634206 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 48.07% max per guidelines is 85%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower been at current residence for 24 years. |
| 304634202 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 74% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 43 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 26 years |
| 304634201 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | FEMA | Satisfied | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Provide disaster inspection for Wildfires and Straight-Line Winds declaration #XXXX date of X/X/XXXX; Effective date 12/31/2099. | 1.27.2025 Client provided Post Disaster inspection dated X.XX.XXXX with no damage along with exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.56% is less than max of 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.54% is less than 45%. |
| 304634199 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | Compliance | Texas Home Equity | Satisfied | CMPTXHE846 | TX Equity - Closed before later of appl/discl + 12 days | No | Application date is 10/3/2024; Notice Concerning Extensions of Credit is dated 12/2/2024; Note date is 12/2/2024. Both the Application and Notice Concerning Extensions of Credit must be executed at least 12 days prior to closing | 12/19/2024 Client provided missing Notice concerning Extensions of Credit receive dated 9/30 and 10/01. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 74% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.08 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job 10.83 years |
| 304634199 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | Compliance | Texas Home Equity | Satisfied B | CMPTXHE111 | Texas Equity - Itemized disclosure of fees not provided prior to closing; missing supporting documents for election to proceed | No | 12/19 Update: Fees changed from Initial CD to Final CD. Texas Equity- Missing Itemized disclosure. | 12/27/2024 Client provided Texas Disclosure form T64 reflecting Title charges, Condition remains. The owner of the homestead must receive an itemized Disclosure of actual costs, points, Interest, costs and charges disclosed. Lender to provide Itemization that was given to Borrower prior to closing. 01/07/2025 Client requested review. Per review by Internal Compliance Counsel, Provide either the shorter version form that only addresses the application and/or Itemized fees (CD), or the tracking reflecting the 12/2 CD was received on 12/1.01/09/2025 Client provided an Email dated 11/29 reflecting FCD sent as an attachment. Per review by Internal Compliance Counsel the Condition remains for evidence of receipt by all title holders a minimum of 1 day prior to closing. 01/13/2025 Client provided screen print reflecting same email address for both. Condition remains. Provide acknowledgement of receipt of Final CD, at least 1 day prior to closing.01/29/2025 Client provided an email from the Title Holders acknowledging they received the closing figures on 11/29. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 74% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.08 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job 10.83 years |
| 304634199 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 74% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.08 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job 10.83 years |
| 304634199 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 74% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.08 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job 10.83 years |
| 304634198 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 49.44 is less than 85 max.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.87 is less than 45. |
| 304436039 | XXXXXX | XXXXXX | VA | QM: Safe Harbor | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide documentation all titleholders received an accurate CD 3 business days prior to closing. | 10/18/2024 Client provided XXX for both reflecting CD sent 9/30 signed by Borrower 9/30 and be Non Borrower 10/1. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 50% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 45 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.54% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.08 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 11 years |
| 304436038 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 33.20 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower is a Claim Team Manager for 7.80 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The CLTV of 60.49% is 9.51% < maximum CLTV of 70.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has positive mortgage history of 27/47 months @ 0 x 30. |
| 304634196 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Missing Disclosure 12/13/2024. CoC dated 12/12/2024 refers to LE 12/13/2024. Conditionis pending receiving LE. | 01/17/2025 Client provided a collaborate Comment: There was no LE issued on 12/13/2024 as noted on the COC. On 12/12 during the UW process, the borrower's DTI exceed which triggered a pricing change on the loan. Before the LE was completed to disclose the changed fee to the borrower, the DTI was reduced below 43% which removed the fee change. Since the previous LE was still accurate, no additional disclosure was provided. The COC remained in the file in error. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 36.52% CLTV below guideline requirements. Max CLTV 70%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has significant time at current job, 11 years |
| 304634195 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 20 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in the same job for 12 years. |
| 304634192 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 734.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is 80%. |
| 304634191 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/15/2025 Client provided a XXX reflecting the the CD was sent to Non-Borrower and completed all on 12/18. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 25 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 14 years. |
| 304634191 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied D | CRDCRMH189 | Missing credit report | No | Missing the credit report | 1.14.2025 Client provided credit report dated 12.3.2024 | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 25 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 14 years. |
| 304634189 | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 758 exceeds guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.39% is below lender's guide lines maximum of 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 24 years at current job. |
| 304637081 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 59.34 is 25.66 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x45 exceeds mortgage history guidelines. |
| 304634188 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 792 exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 13 years. |
| 304634187 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | Documentation | Satisfied D | CMPDOC806 | Notary Status is missing | No | Notary Status is missing from file. | 01/06/2025 Client provided full executed Mortgage including Notary page. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.71 DTI below guideline of 45. |
| 304634187 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Credit/Mtg History | Satisfied B | CRDCRMH123 | No evidence of required debt payoff | No | Missing evidence that the following past due accounts on credit were brought current: XXX #XXX and XXX#XXX. | 1.8.2025 Client provided LOX stating do not reflect as past due, reflect as days late. Response, per credit report XXX and XXX both reflect a past due $87 (XXX) and $144 (XXX); condition remains 1.14.2025 Client provided updated post close supplement verifying past due amount have been satisfied | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.71 DTI below guideline of 45. |
| 304634187 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Credit/Mtg History | Satisfied | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing evidence of $537.56 monthly property tax payment used for qualifying. | 1/7 Client provided a tax bill supporting $615.64; DTI updated | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.71 DTI below guideline of 45. |
| 304634186 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP4385 | MI Home Loan - Cannot determine if MI Home Loan Toolkit was provided in a timely manner | No | Toolkit in File is not dated or confirmed receipt by the borrowers. Unable to determine if MI Home Loan Toolkit was provided in a timely manner | 01/22/2025 Client provided the Combined Disclosures form reflecting the Tool Kit delivery date as 11/22. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current residence for 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-Borrower has been in current profession for 6 years. |
| 304349699 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the subject property for 18 years 6 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since 3/19/2012.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.45% CLTV is 5.55% below the maximum allowable CLTV of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 726 is 46 points above the minimum required score of 680. |
| 304436035 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 712 > is above guideline minimum credit score.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 30 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 25 years. |
| 304637078 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 credit score exceeds the 660 guideline minimum credit score by 137 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The 65% CLTV is 25% below the guideline requirement of 90%. |
| 304634184 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 59% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 50 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 21.38% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.83 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 8.08 years for B2 |
| 304436034 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 31 Years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 48.92% is below maximum allowed of 75% |
| 304637077 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied B | CMPSTCP1307 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not dated | No | Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not dated | 02/03/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 01/06. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 31.51% is below lender's guide line maximum of 75%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 15 years. |
| 304637077 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied B | CMPSTCP1319 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not dated | No | Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not dated | 02/03/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 01/06. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 31.51% is below lender's guide line maximum of 75%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 15 years. |
| 304637077 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied D | CMPSTCP1297 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | No | Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | 02/03/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 01/06. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 31.51% is below lender's guide line maximum of 75%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 15 years. |
| 304637077 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied D | CMPSTCP1309 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | No | Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | 02/03/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 01/06. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 31.51% is below lender's guide line maximum of 75%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 15 years. |
| 304634183 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 48% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 31 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 24.17 years |
| 304637076 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is 39.75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 773. |
| 304637076 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is 39.75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 773. |
| 304436033 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 9/20/2024 3 days prior to consummation date of 09/25/2024.Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. | 10/14/24 Client provided NBS confirmation of receipt initial CD on 9/20/24.Condition satisfied | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on current job for 6 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 6 years. |
| 304634182 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 698 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 23 years at current job. |
| 304637075 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 46.19 is less that the max of 75.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 20+ years on current job |
| 304637074 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower been at current residence for 6 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current XXX job for 18 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 69.84% max per guidelines is 90%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.19% max per guidelines is 45%. |
| 304436032 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 743 is well above guideline threshold of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on current job for 17 years. |
| 304436031 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV on this loan at 47% is 33% below the maximum allowed CLTV of 80% per the program guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34% DTI is 11% below the maximum DTI allowed at 45% per the program guidelines. |
| 304634181 | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.29% LTV below guideline requirements of 75.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 5 years and 5 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304634180 | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 770 exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 10 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 15 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48.20% CLTV below guideline requirements. Max CLTV 90.00% |
| 304634179 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is 61.99%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 800. |
| 304436029 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The qualifying credit score of 818 exceeds the minimum required score of 700 by 118 points.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 57 months paid as agreed mortgage history exceeds the minimum 12 months mortgage history by 45 months. |
| 304634178 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 66.43% max per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 717 max per guidelines is 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower been at current residence for 27 years. |
| 304634177 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance due to Title Examination fee $100 added to final LE 11/18/24. COC issued 11/18 lists fee amount but does not give additional details as to why fee was added. No cure provided on borrower final CD prior to close. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $100 w/ Proof of Delivery. | 01/15/2025 Client provided COC 11/14 reflecting Borrower provided permission to clear the UCC for loan to proceed, resulting in a Title Examination fee added. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower in the same professio0n for 25.3 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the same residence for 9.4 years. |
| 304634176 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower been at current residence for 30 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 28 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 70 max per guidelines is 75%. |
| 304634175 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower been at current residence for 19 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 20 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 28.59% max per guidelines is 45%. |
| 304637070 | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Home Mortgage Information Document not provided | 02/04/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 12/31. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 731 exceeds guidelines 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 63.74% below guideline requirements 85.00%. |
| 304634173 | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Final LE issued 12/12/24. Initial CD issued 12/16/24. No confirmation of receipt of final LE prior to initial CD. | 01/09/2025 Client provided XXX for Applicant reflecting LE sent and viewed on 12/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 10 Years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage Payment history 0 X 30 over last 48 months |
| 304637068 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 10.1 years in same line of work/profession<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 18% revolving credit line utilization<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.41% DTI is below max allowable per guides of 45% |
| 304436025 | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton's QM status - QM - RP based of a lock date of 7/8/2024. | 10/14/2024 client provided a XXX report reflecting QM:RP (APOR) | Condition satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No history of late payments in over 73 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower using only 35% of available credit<br>CFCFS2860: Good credit history<br> - Clayton Comments: borrower has no history of late payments |
| 304436025 | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 10/14/24 Client provided XXX tracking of initial CD for both title holders. Condition satisfied | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No history of late payments in over 73 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower using only 35% of available credit<br>CFCFS2860: Good credit history<br> - Clayton Comments: borrower has no history of late payments |
| 304436025 | XXXXXX | XXXXXX | AL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D B | Credit | Credit/Mtg History | Satisfied B | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing evidence of HOA on subject property. $17.00 a month | 10/14/2024 client provided evidence of $17 per month HOA fee. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: No history of late payments in over 73 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower using only 35% of available credit<br>CFCFS2860: Good credit history<br> - Clayton Comments: borrower has no history of late payments |
| 304436024 | XXXXXX | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | Federal Higher-Priced | Satisfied | CMPFDHP2948 | Federal Higher-priced mortgage loan - Appraisal does not meet HPML standards | No | Condition added Client provided XXX w/Non QM status however file have an AVM vs Full appraisal (HPML) | 10.8.2024 Client provided LOX stating see attach XXX. Response, XXX provided is also Non QM status. Condition remains Non QM w/AVM vs Full appraisal for HPML. 10/16/2024 client provided a XXX report reflecting loan in Non-QM. Per guidelines Non-QM loans require a full appraisal. Loan file only contains an AVM. Condition remains.10.17.2024 Client provided LOX, compliance re-review file and corrected the rate set date, file is no longer a HPML file, in which now appraisal is not required. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 10 years. |
| 304436024 | XXXXXX | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender provided QM worksheet, however, it did not disclosed a QM status. Clayton QM status is Non QM due because it exceeds Fees Test Threshold | 10.2.2024 Client provided XXX w/NON QM Status | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 10 years. |
| 304634172 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 8 years and 10 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 5 years and 1 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.30% LTV below guideline requirements of 80.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.27% DTI is below guideline requirement of 45.00%. |
| 304436023 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $100 for zero tolerance fees.A Title Examination fee was added to the LE dated 09/13/2024. The COC that corresponds to this fee is dated 08/15/2024. The TRID rule requires that the revised loan estimate be provided within three business days of receiving information supporting the need to revise. | 10/16/24 Client provided a missing 9/11 COC for the Revised 9/13 LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV actual 30.90% is less than max of 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Actual DTI 36.78 is less than max of 45. |
| 304634171 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 11 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max allowed DTI is 50% and the borrower has a 40.208% DTI. |
| 304634170 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower is a XXX for 9.30 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The CLTV of 66.34% is 8.66% < maximum CLTV of 75.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers median credit score of 746 is 66 more points than minimum required score of 680.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has positive mortgage history of 50 months @ 0 x 30. |
| 304634169 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 773 > is above guideline minimum credit score.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 32.41% is 12.59 points below the guideline program minimum. |
| 304436021 | XXXXXX | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score of 774 exceeds the minimum required fico score of 700 by 74 points.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 85 months of paid as agreed mortgage history exceeds the minimum required 12 months by 73 months. |
| 304436020 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years, 1 month at current residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25.84% DTI; 45% max allowed.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 8 years, 4 months at current job. |
| 304436019 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years and 11 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 7 years and 2 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.87% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 718 is 58 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.96% DTI is below guideline requirement of 45.00%. |
| 304634168 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.55% below guideline requirement 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 66.20% below guideline requirements 90.00%. |
| 304436018 | XXXXXX | XXXXXX | ID | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Closing date XXX. Initial CD date issued 09/12/24. No Confirmation of Receipt of Initial CD and no evidence in file for both title holders receiving initial CD w/ proof of delivery min 3 days prior to consummation. | 10/04/2024 Client provided XXX for both reflecting CD was sent and viewed on 9/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 8 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 8 years. |
| 304436018 | XXXXXX | XXXXXX | ID | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender provided QM worksheet but it did not indicate a QM status. Clayton's determination is rebuttable due to points and fees. | 10.4.2024 Client provided some documentation however XXX in file w/no QM status. Condition remains for XXX w/QM status 10.8.2024 Client provided XXX w/QM Rebuttable Presumption | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 8 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 8 years. |
| 304436016 | XXXXXX | XXXXXX | NY | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 7 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 731 max per guidelines is 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 69.74% max per guidelines is 80%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 19 years. |
| 304436013 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV actual 57.75 is less than max of 75.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI actual 31.65 is less than max of 45. |
| 304436012 | XXXXXX | XXXXXX | MD | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 67% is 13% below the max CLTV allowed of 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 60 month paid as agreed mortgage history exceeds the minimum 12 months required by 48 months. |
| 304634167 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 22.56% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 28.08 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.08 years |
| 304634165 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 65% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20.5 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 35 years |
| 304634165 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 65% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20.5 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 35 years |
| 304637065 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX job for 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 77.65% max per guidelines is 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 775 max per guidelines is 760.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.39% max per guidelines is 45%. |
| 304436009 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 12 years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |
| 304634163 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 14 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.46% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 787 is 127 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.47% DTI is below guideline requirement of 45.00%. |
| 304634162 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 799 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 55.26% is 34.74 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x55 exceeds mortgage history guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 35.54% is 9.46 points below the guideline program minimum. |
| 304436003 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Closing date XXX. Initial CD date issued 10/02/24. No Confirmation of Receipt of Initial CD and no evidence in file for both title holders receiving initial CD w/ proof of delivery min 3 days prior to consummation. | 10/21/2024 Client provided XXX for both reflecting CD sent and viewed on 10/2. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.79 DTI below guideline of 45.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job since 7/25/2011. |
| 304634161 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 25 month mortgage payment history exceeds the 12 month minimum guideline requirement by 13 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 708 credit score exceeds the 680 guideline requirement by 28 points. |
| 304634159 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.75 DTI below guideline of 45. |
| 304634158 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $100.00 as Title - Doc Processing Fee was added on initial CD 12/4/24 without a COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/08/2025 Client provided permission and documentation required to update the deed for name change resulting in a Title Processing fee added. | Condition Satisfied | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: paying off 3 high balance credit card accts. and 1 installment acct.<br>CFCFS2860: Good credit history<br> - Clayton Comments: deep credit file with all accts,. paid as agreed. No collections, judgements, BK |
| 304634158 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Property Valuations | Appraisal | Satisfied D | PRVAAPPR100 | Missing Appraisal | No | Missing AVM to support appraised value | 1/7 Client provided an AVM however it is not from an approved vendor; provide an AVM from an approved vendor1.10.2025 Client provided LOX stating the AVM previously provided is an approved AVM. Response, Agree | Condition satisfied | (No Data) | Not Applicable | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: paying off 3 high balance credit card accts. and 1 installment acct.<br>CFCFS2860: Good credit history<br> - Clayton Comments: deep credit file with all accts,. paid as agreed. No collections, judgements, BK |
| 304436000 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Right of Rescission | Satisfied B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Expiration date on form is prior to end of rescission period, ROR in file disclosed Expiration date is XXX which is before the Disbursement Date of XXX on final CD dated 10.11.2024. | 11/06/2024 Client provided Re-opened Right to Cancel forms received on XXX reflecting Expiration date midnight of XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 51%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 12 years at current residence |
| 304634157 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Adjusted Charges$2,514.03Total Loan Amount$XXXMaximum Charges %5.000%Maximum Charges$2,361.20Charges Margin to Threshold$152.83Total Charges %5.324%Exceeds fees test threshold?YesFile is missing the Fee Split and XXX report. | 1.22.2025 Client provided Fee Split worksheet, fees re reviewed and entered. QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 756 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 69.72% is 15.28 points below the guideline program minimum. |
| 304634157 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | Section 32 | Satisfied | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Adjusted Charges$2,514.03Total Loan Amount$XXXMaximum Charges %5.000%Maximum Charges$2,361.20Charges Margin to Threshold$152.83Total Charges %5.324%Exceeds fees test threshold?YesFile is missing the Fee Split and XXX report. | 01/22/2025 Client provided the fee split allowing for proper fee allocation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 756 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 69.72% is 15.28 points below the guideline program minimum. |
| 304634156 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 15.2 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: % DTI.Max allowed DTI is 50% and the borrowers have a |
| 304637063 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 73% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 59 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.16% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20.33 years |
| 304634154 | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 745 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 28 years at current job. |
| 304435997 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.52 DTI below guideline of 45. |
| 304637062 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 75%. Loan LTV is 58.39%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 687. |
| 304435995 | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) C | Property Valuations | FEMA | Satisfied | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | FEMA disaster effective date of 12/31/99. A post disaster inspection report is required. | 10.22.2024 Client provided Post Disaster inspection dated 10.17.2024 with no damage along with exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject property for 5 years and 6 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 17 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.60% CLTV is below guideline maximum of 70%. |
| 304435994 | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 37 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years |
| 304435993 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | State High Cost | Satisfied | CMPSTHC349 | IN High-Cost Loan by exceeding point and fee threshold, | No | IN High-Cost Loan by exceeding point and fee threshold, | 10/08/2024 Client requested calculation: Total is $2,956.67. Origination $650.00, Discount $1,956.67 and Title Closing/Settlement fee $350.00. No Fee split Document is in the file for allocation of Affiliate fees. Provide Fee Split Document for review. Additional Conditions may apply. 10/16/2024 Client provided copy of the fee split document for proper allocation of fees to Affiliate. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.79% is below maximum allowed of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 Years |
| 304435993 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing Lenders ATR QM Status determination | 10.9.2024 Client provided Mavent w/QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.79% is below maximum allowed of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 Years |
| 304435992 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 8 years and 2 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 21 years and 10 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 78 is 83 points above program guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 69+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.96% DTI is below guideline requirement of 45.00%. |
| 304634153 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 49% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 85 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.83% below guideline requirement of 45% |
| 304435990 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide the Initial CD with confirmation of borrower receipt at least 3 business days prior to consummation. Additional conditions may apply. Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. | 10/07/2024 Client provided a XXX for the Borrower reflecting CD Sent and signed on 9/17, also provided that are unable to provide for Non-Borrower and requests condition Satisfied 2B. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual 33.76 is less than 80.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Actual 750 is greater than 700 required. |
| 304634152 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 746 exceeds guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.11% is below lender's guide line maximum of 45%. |
| 304435989 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with the employer for 13 years 1 month.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has been with the employer for 13 years 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 57.70% and guidelines allow the HCLTV to be 680. |
| 304435988 | XXXXXX | XXXXXX | NC | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 13 points higher than 680 min<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 16.48% lower than 75% max |
| 304637061 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance due to Title Examination fee $100 added to final LE 12/11/24 section B. COC issued lists fee amount but does not give sufficient details as to why fee was added. No cure provided on borrower final CD prior to close. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $100 w/ Proof of Delivery. | 02/04/2025 Client provided COC 12/07 reflecting the Title Exam fee added due to the Borrower requesting to clear the UCC found on the Property Summary report. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% CLTV is 15% below the maximum guideline requirement of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The 706 credit score exceeds the guideline minimum requirement of 660 by 46 points. |
| 304634149 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/29/2025 Client provided a Disclosure history reflecting CD was sent via XXX on 1/9. Mail rule applies. 3 Days for delivery and a 3 day waiting period results in earliest closing date 1/16. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 766 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 35 years at current job. |
| 304435987 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 11 years and 5 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.61% LTV below guideline requirements of 70.00% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.35% DTI is below guideline requirement of 45.00%. |
| 304634147 | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.96% DTI below guideline of 45%. |
| 304634146 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 14.2 years current job time<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 23.8 years current job time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 30 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. |
| 304634145 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 14.11 is less than the max of 75.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 690 is greater than the required 660 |
| 304634143 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 16 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 69.35% max per guidelines is 75%. |
| 304634142 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 10.08 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.83 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV At 59% below guideline requirements of 75% |
| 304435984 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | LTV/CLTV | Waived B | CRDLTV3030 | CLTV Exceeds Guideline Requirement by less than 5% | No | Balance of $XXX,XXX.XX from the combined amount / the appraised value of $XXX,XXX from the XXX AVM dated X/XX/XXXX = 81.47%. The lender used an appraised value of $XXX,XXX. | Client acknowledges CLTV exception | Upon further review by Senior Underwriter, < 5% CLTV exception deemed non-material. Guidelines allow 80% CLTV, current CLTV 81.47%. DTI is < 30% and mortgage history 0 x 30. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 96 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 29.74% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 13.08 years |
| 304634141 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 53.70% max per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.82% max per guidelines is 45%. |
| 304634140 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 21 years and 7 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 6 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.92% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 710 is 50 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.01% DTI is below guideline requirement of 45.00%. |
| 304435983 | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 717 > is above guideline minimum credit score.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 23 years. |
| 304634137 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20.1 years current residence time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 57 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. |
| 304634136 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 21 years and 4 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years and 1 month<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.70% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 730 is 70 points above program guideline minimum of 660. |
| 304634135 | XXXXXX | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C B | Property Valuations | Property | Waived B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No | Subject lot size of 13.73 acres exceeds guideline of 10 acres. | 1.8.2025 Client provided exception approval for acreage of 13.73 exceeding guidelines maximum of 10.00 acres | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved with compensating factors, low DTI and over 12 years with current employment. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.93 DTI below guideline of 45.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x41 mortgage payment history exceeds guideline of 0x30x12. |
| 304634134 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 5 years and 2 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 16 years and 2 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 43.81% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 751 is 91 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304634133 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Missing a COC or Refund for decrease in lender credit from $94 to $0 from Initial LE to the Final LE. | 01/15/2025 Client provided COC 12/09 reflecting option to lock adding of Points and decreasing the Lender credit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.13 is less than the max of 85.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 12+ years on current job. |
| 304435982 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Calculated DTI of 35% is 10% below the maximum allowed DTI of 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Total paid as agreed mortgage history of 137 months exceeds the minimum 12 month requirement by 125 months per the program guidelines. |
| 304637058 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $100.00 as Title Examination fee was added to LE 12/16/2024 without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/31/2025 Client provided a COC 12/12 reflecting third party fee Title Examination. Condition remains. Provide a Valid reason for the addition of this fee or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 02/05/2025 Client provided updated COC 12/12 reflecting Borrower provided permission to clear the UCC found on the property Summary report resulting in Exam fee added. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23 years current residence time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 50 mos. mtg. payment history exceeds min. guideline requirement of 12 mos.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 9.00% revolving credit line utilization |
| 304637057 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 72.58% below guideline requirements 90.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 779 exceeds guidelines 760 |
| 304637056 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 46.73 is less that the max of 85.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 8+ years |
| 304634129 | XXXXXX | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers' have resided at current residence for 35 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The CLTV of 44.68% is 30.32% < maximum CLTV of 75.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers median credit score of 717 is 37 more points than minimum required score of 680. |
| 304634128 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years current residence time<br>CFCFS2860: Good credit history<br> - Clayton Comments: deep credit file with all accts. paid as agreed. No collections, judgements, BK |
| 304634127 | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 34 month mortgage payment history exceeds the 12 month guideline minimum requirement by 22 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40% DTI is 5% below the maximum guideline requirement of 45%. |
| 304637055 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Missing Fee Split disclosure for further testing. Additional conditions may apply. | 1.29.2025 Client provided Split Fee worksheet, fees re-tested. Condition remains, Client QM status, QM Safe Harbor vs QM Rebuttable Presumption (DD Firm status). Condition remains due to QM status differ. 02/04/2025 Client provided COC 12/14 and Lock Confirmation both reflecting lock date 12/14. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The CLTV of 69.22% is 5.78% < maximum CLTV of 75.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has positive mortgage history of 38 months @ 0 x 30. |
| 304637055 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | Section 32 | Satisfied | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Missing Fee Split disclosure for further testing. Additional conditions may apply. | 01/29/2025 Client provided missing fee split for proper allocation of Affiliate fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 8 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The CLTV of 69.22% is 5.78% < maximum CLTV of 75.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has positive mortgage history of 38 months @ 0 x 30. |
| 304637054 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 675.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 75%. Loan LTV is 71.34%. |
| 304634124 | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.94% DTI<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 32 months of 0x30 on current mortgage |
| 304634123 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 Years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 22 Years. |
| 304637051 | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | $100.00 Zero Tolerance due to increase in Title Search fee from $0.00 to $100.00, without a valid Change in Circumstance (COC). Requires COC, or corrected PCCD with cure, copy of cure check, LOE to Borrower and verification of shipping via tracking. | 02/04/2025 Client provided COC 12/16 reflecting Borrower gave permission to clear/payoff liens found on Property Summary report resulting in Search fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 58% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 40 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.30% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 13 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 17 years |
| 304634122 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property for 14 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.52% below guideline requirement 45.00%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the field for 17 years. |
| 304634120 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/22/2025 Client provided XXX for both reflecting CD was sent and completed for Borrower 1 on 12/16 and Sent and viewed by Borrower 2 no 12/16. | Condition Satisfied, | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 credit score exceeds the guideline minimum credit score of 680 by 6 points.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 99 month mortgage payment history exceeds the guideline minimum requirement of 12 months by 87 months. |
| 304634120 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 credit score exceeds the guideline minimum credit score of 680 by 6 points.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 99 month mortgage payment history exceeds the guideline minimum requirement of 12 months by 87 months. |
| 304634120 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 credit score exceeds the guideline minimum credit score of 680 by 6 points.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 99 month mortgage payment history exceeds the guideline minimum requirement of 12 months by 87 months. |
| 304435979 | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 54.62% is below maximum allowed of 80%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving Credit Line use at 21%, 79% available |
| 304634119 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max allowed DTI is 50% and the borrowers have a 41.945% DTI.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max allowed CLTV is 80% and the borrowers have a 73.226% CLTV. |
| 304637050 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied | CRDINC150 | Income docs do not meet guidelines | No | Pay stubs are incomplete. Missing breakdown of deductions. | 2.4.2025 Client provided YTD 1.11.2025 paystub and file have YTD 2024 paystub supporting monthly income being used for qualifying. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 FICO exceeds guideline of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x39 mortgage payment history exceeds guideline of 0x30x12. |
| 304637050 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Title | Satisfied | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title shows vesting of XXX and XXX, husband and wife, as tenants by the entirety" and mortgage shows "XXX, surviving spouse." | 2.5.2025 Client provided copy of death certificate for XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 709 FICO exceeds guideline of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x39 mortgage payment history exceeds guideline of 0x30x12. |
| 304637049 | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 735 exceeds guidelines<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, B1 |
| 304637048 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 22% revolving credit line utilization |
| 304634117 | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 72% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 73 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 7.33 years |
| 304634116 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 38.76 is less than the max 75.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned residence 25+ years. |
| 304435976 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Title | Satisfied D | CRDTIL865 | Title incomplete | No | Missing final title property report. | 10/15/2024 client property final title report. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 765 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 16 years at current job. |
| 304634115 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers at current residence for 16 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in the current job for 21.3 years. |
| 304435974 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton status reflect QM status as QM Rebuttable Presumption (APOR). Lender reflects QM Safe Harbor APOR. The test APR is 9.893%, the benchmark APR is 6.380 resulting in a difference of 3.513%, max difference allowed is 3.50% | 10/14/2024 Client provided an updated XXX 10/12 reflecting a QM Status as Presumption of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 17 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 17 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current job for 19 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 39.47% max per guidelines is 45%. |
| 304634114 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in the current job for 25 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been in current residence for 14 years. |
| 304634113 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The 683 credit score exceeds the guideline minimum 660 credit score by 23 points.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 28 month mortgage payment history exceeds the 12 month guideline minimum by 16 months. |
| 304634112 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job for 15.11 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 8.5 years. |
| 304435972 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 771 exceeds guidelines 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property for 20 years. |
| 304435971 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing verification of assets used to pay off XXX #XXX balance $X,XXX. | C10/14/2024 client provided credit supplement reflecting XXX paid in full. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.33 DTI below guideline of 45. |
| 304634110 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 01/16/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 12/04. | Condition Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45 month mortgage payment history exceeds the 12 month minimum guideline requirement by 33 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47% CLTV is 28% below the maximum allowed guideline requirement of 75%. |
| 304637046 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 FICO exceeds guideline of 660.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments reported on credit. |
| 304435969 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Satisfied B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations not provided w/in 3 days of application date of 8/30/2024. | 10/24/2024 Client provided missing List of homeowners counseling organizations dated 8/30. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in profession >29 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property >9 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 65.19% below guideline requirements 80.00%. |
| 304634107 | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 21 Years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 37 Years. |
| 304634106 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.89% max per guidelines is 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 32.63% max per guidelines is 45%. |
| 304637044 | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 59.29 %below guideline requirements 80.00%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has 7 years at current job |
| 304634105 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 65.30% LTV below guideline requirements of 90.00% per program.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Median FICO of 727 is 67 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304435965 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 25 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current job for 22 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: .Borrower has been at currently(XXX) job for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 757 max per guidelines is 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 43.10% max per guidelines is 80%. |
| 304634103 | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 20 years at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has > 9 years at current job |
| 304435963 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing 2022 personal tax returns and 2022 business tax returns for XXX and XXX | 9.30.2024 Client provided duplicate (in file) pg 1 of 1040 2022 business returns and 1040 Transcripts however initial condition is for Missing all pages of 1040 2022 Personal and 2022 business returns for XXX and XXX. Upon receipt, income calculation is required.10.2.2024 Client provided 2022 1040 and 2022 1120S business returns for XXX and XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.49 DTI below guideline of 45. |
| 304435963 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D | CRDINC2408 | Income verification does not meet guidelines | No | Missing 2022 personal tax returns and 2022 business tax returns for XXX and XXX | 9.30.2024 Client provided duplicate (in file) pg 1 of 2022 (w/signature) 1040 and 1120S business returns and 1040 Transcripts however initial condition is for Missing all pages of 1040 2022 Personal and 2022 1120S business returns for XXX and XXX. Upon receipt, income calculation is required. 10.2.2024 Client provided 2022 1040 and 2022 1120S business returns for XXX and XXX, income used for qualifying is supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.49 DTI below guideline of 45. |
| 304435963 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D | PRVAAPPR173 | Comp Photos Unacceptable | No | Photo for Comp Sale 1 does not show the front of the property. | 10.7.2024 Client provided updated copy of exterior 2055 appraisal with including Comp 1 photo from MLS | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.49 DTI below guideline of 45. |
| 304435963 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | FEMA | Satisfied B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Missing Post Disaster inspection and to be dated after 8.27.2024 | Client provided disaster inspection dated XX/XX/XXXX, no damage | condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.49 DTI below guideline of 45. |
| 304435963 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | FEMA | Satisfied | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | Missing post disaster inspection for XXX effective 10/11/2024. | Client provided disaster inspection dated XX/XX/XXXX. no damage | condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.49 DTI below guideline of 45. |
| 304634102 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70.55 is less than the max of 80.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned current residence 19 years. |
| 304435962 | XXXXXX | XXXXXX | NV | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 52% below guideline requirements of 70%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 27 years |
| 304637043 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 38.95% below guideline requirements 85.00%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession >22 years. |
| 304634101 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.88% below guideline requirement 45.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 742 exceeds guidelines 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 59.27% below guideline requirements 85.00%. |
| 304435958 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 9 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years. |
| 304435957 | XXXXXX | XXXXXX | IL | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 62 points higher than 700 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 26.97% lower than 80% max. |
| 304634098 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The credit score of 795 exceeds the minimum guideline requirement of 660 by 105 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The 61% CLTV is 19% below the guideline requirement of 90%. |
| 304435956 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 16 points higher than 680 max<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 26.87% lower than 75% max |
| 304634095 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | TX Equity - Texas Equity : Missing T.42 Title Endorsement | 1/15/2025 Client provided an approved exception for missing T.42 Title Endorsement. | Initial and final grade B. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 28% revolving credit line utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 40 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS2860: Good credit history<br> - Clayton Comments: deep credit file with all accts. paid as agreed. No collection, judgements, BK. |
| 304634095 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | 1/15/2025 Client provided an approved exception for missing T.42.1 Title Endorsement. | Initial and final grade B. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 28% revolving credit line utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 40 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS2860: Good credit history<br> - Clayton Comments: deep credit file with all accts. paid as agreed. No collection, judgements, BK. |
| 304634094 | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 42% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.67% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 33 years |
| 304634092 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.97% LTV below guideline requirements of 85.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.45% DTI is below guideline requirement of 45.00%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 30+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 6 years and 5 months |
| 304634091 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 741 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 10 years at current job. |
| 304634090 | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 31 years at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 68.14% below guideline requirements 75.00%. |
| 304634089 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 16.70 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The CLTV of 61.00% is 14.00% < maximum CLTV of 75.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers median credit score of 773 is 113 more points than minimum required score of 660.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has positive mortgage history of 45/22 months @ 0 x 30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The back end DTI of 34.45% is 10.55% < maximum DTI of 45.00%. |
| 304634088 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C B | Compliance | Texas Home Equity | Satisfied | CMPTXHE108 | TX Equity - Total fees greater than the allowable cap | No | Adjusted Charges$X,XXX.XX Total Loan Amount$XXX,XXX.XX Maximum Charges %X.XXX% Maximum Charges$X,XXX.XXCharges Margin to Threshold$XX.XX Total Charges %X.XXX%Exceeds fees test threshold?Yes | 01/15/2025 Client provided a Collaborate Comment reflecting that the Borrower is paying points to lower the Interest Rate. Condition remains. Provide evidence of the Undiscounted rate for testing. Additional conditions may apply. 01/16/2025 Client provided the Undiscounted rate for testing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 35 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 30 years.` |
| 304634088 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Texas Equity : Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 35 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 30 years.` |
| 304634088 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Texas Equity : Missing T.42.1 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 35 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 30 years.` |
| 304637039 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 41% CLTV is 44% below the maximum 85% guideline requirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The 735 credit score exceeds the guideline minimum credit score requirement of 660 by 75 points. |
| 304634087 | XXXXXX | XXXXXX | LA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 17.5 years current job time<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 25 years in same line of work/profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 62 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. |
| 304634085 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned the subject property for 23 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been with current employer since 5/15/2017.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.78% DTI is below the maximum allowed DTI of 45%. |
| 304634084 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D B | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/22/2025 Client provided a collaborate comment: Unable to provide documentation for Non-borrowing spouse received CD 3 days prior. Please satisfy with final grade B. (Non-borrowing spouse did not open the document, which was electronically sent.) | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 44 month mortgage payment history exceeds the guideline minimum requirement of 12 months by 32 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 10 years 6 months. |
| 304637037 | XXXXXX | XXXXXX | NV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | Credit | Application | Satisfied D | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing complete DRIVE report. File only has the first 3 pages. | 1.30.2025 Client provided full complete copy of Fraud Report | Condition satisfied | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x36 mortgage payment history exceeds guideline of 0x30x12.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower 18 years at current residence. |
| 304435952 | XXXXXX | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D C | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 10/08/24 Client provided the Tracking for the NBS. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 10 Years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 69.61% is below maximum allowed of 80%. |
| 304435952 | XXXXXX | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender provided QM worksheet but it did not indicate a status. Clayton determination is rebuttable. | 10/09/2024 client provided XXX report reflecting QM:RP. | Condition satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 10 Years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 69.61% is below maximum allowed of 80%. |
| 304435950 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned subject property for 7 years and 8 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 credit score exceeds guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have paid mortgages 0x30 for 100 months. |
| 304634083 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 746 exceeds guide lines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CTV 41.92% is below lender's guide line maximum of 80%. |
| 304634082 | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 23.8 years current job time.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 56 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 23.8 years in same line of work/profession. |
| 304634081 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66% CLTV is 9% below the maximum guideline requirement of 75%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 7 years 7 months. |
| 304634080 | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 798 exceeds guidelines 760.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.65% below guideline requirement 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 54.21% below guideline requirements 90.00%. |
| 304634079 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.31 DTI below guideline of 45. |
| 304634078 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 30+ years on current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 62.03 is less than the max of 80. |
| 304634076 | XXXXXX | XXXXXX | WA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.00 below guideline requirement<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for >7 months. |
| 304634075 | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.84 DTI below guideline of 45. |
| 304634074 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 75%. Loan LTV is 58.65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 686. |
| 304634073 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.99% DTI below guideline of 45%. |
| 304634071 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Loan declared QM Safe Harbor (APOR) from lender/client; Clayton status is NONQM due to fees too high (adjusted charges are $5,898.00, max allowed is $5,790.06; $107.94 too high). | 1.27.2025 Client provided Split Fee worksheet, fees re-tested. QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is 74.34%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 680. Loan credit score is 754. |
| 304435947 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 25.70 is well below guideline threshold of 70.00.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 15 years. |
| 304435945 | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower's credit score of 754 exceeds the minimum required credit score of 700 by 54 points.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The total verified mortgage payment history of 41 months exceeds the minimum required 12 months by 29 months. |
| 304435944 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 45%, Current DTI 40%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no history of late payments<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 12 month payment history required, 27 months in file. |
| 304435943 | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Low DTI 29 %<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 12 Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 12 Years at Current Residence |
| 304435941 | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | QM worksheet present but did not indicate a QM status. Clayton's QM status is rebuttable due to points and fees | 10.8.2024 Client provided XXX w/QM Rebuttable Presumption | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have recent combined mortgage history of 62 months paid as agreed which is 52 months more than the minimum 12 months required per the program guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for over 10years which exceeds the minimum 6month requirement per the program guidelines by 9yrs and 6 months. |
| 304634069 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.69% DTI below guideline of 45%. |
| 304637036 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 55.62% below guideline requirements 80.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 23 years at current job. |
| 304435940 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide the lender's QM determination | 10.4.2024 Client provided XXX w/No QM status. Condition remains for XXX w/Lender QM Status DD Firm status is QM Safe Harbor 10.8.2024 Client provided XXX w/QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 42% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.23% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 30 years |
| 304634068 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 14 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 42 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been in current residence for 29 years. |
| 304435939 | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7.7 years current job time<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 20.9 years in same line of work/profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 25 mos. mtg. payment history exceeds min. guideline requirement of 12 mos. |
| 304634067 | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/22/2025 Client provided a Disclosure history reflecting CD was sent via XXX on 12/31. Mail Rule Applies. #days for delivery and 3 day waiting period allowing for earliest closing1/8. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving credit line use at 36%, 64% available<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 12 Years |
| 304435937 | XXXXXX | XXXXXX | MD | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: A total of 41 months of paid as agreed mortgage history exceeds the minimum requirement of 12 months by 29 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 9 years and 8 months which exceeds the minimum 2 year requirement by 7 years and 8 months. |
| 304435936 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX | 10/15/2024 Client provided XXX for Borrower reflecting CD was sent on 9/23 and viewed on 9/24. Condition Remains. Provide evidence of 2nd Borrowers receipt for Initial CD 9/23.10/16/2024 Client requested re-review. 2nd Borrowers Acknowledgement of receipt is on the XXX provided earlier as viewed on 9/23. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 30 Years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 50.98% is below maximum allowed of 80% |
| 304435935 | XXXXXX | XXXXXX | GA | QM: Safe Harbor | QM: Safe Harbor (APOR) D C | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Borrower Acknowledged receipt of Initial CD 09/18/2024 on 09/18/2024. Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 10/14/24 Client provided tracking confirming initial CD was mailed to NBS. Mailing rule was applied, CD was delivered timely. Condition satisfied | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job with 7.10 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below guideline requirement at 27.65% with a max DTI of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements at 53.81% with a max LTV of 75%. |
| 304435935 | XXXXXX | XXXXXX | GA | QM: Safe Harbor | QM: Safe Harbor (APOR) D C | Compliance | RESPA | Satisfied B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing RESPA List of homeowners counseling organizations dated within 3 days of the application dated 09/05/2024. | 10/14/24 Client provided HOLC list dated 9/5/24.Condition satisfied | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job with 7.10 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below guideline requirement at 27.65% with a max DTI of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements at 53.81% with a max LTV of 75%. |
| 304435935 | XXXXXX | XXXXXX | GA | QM: Safe Harbor | QM: Safe Harbor (APOR) D C | Property Valuations | FEMA | Satisfied | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) | No | Natural disaster area, no subsequent inspection (Individual).FEMA Declaration #XXXX dated XX/XX/XXXX, effective 12/31/2099 for XXX | 10/16/2024 client provided a post disaster inspection reflecting no damage. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job with 7.10 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below guideline requirement at 27.65% with a max DTI of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements at 53.81% with a max LTV of 75%. |
| 304435934 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 57% is 13% below the maximum allowed CLTV of 70% per the program guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 43 months of verified paid as agreed mortgage history exceeds the 12 month minimum requirement by 31 months. |
| 304637032 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x28 exceeds mortgage history guidelines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 28 years. |
| 304435933 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide the Initial CD with confirmation of borrower receipt at least 3 business days prior to consummation. Additional conditions may apply.Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. | 10/07/2024 Client provided XXX for both Reflecting CD was sent 9/13 and viewed on 9/15. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job with 17.8 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit history exceeds guidelines with no late payments reported on credit bureau dated 08/13/2024.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV below guideline requirements at 66.925% with a max LTV of 75%. |
| 304435931 | XXXXXX | XXXXXX | KY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 12 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 14 years. |
| 304637031 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% CLTV is 15% below the maximum CLTV allowed of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 credit score exceeds the guideline minimum credit score of 660 by 64 points. |
| 304435928 | XXXXXX | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide the Initial CD 9/16/24 with confirmation of borrower receipt at least 3 business days prior to consummation. Additional conditions may applyProvide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. | 10/07/2024 Client provided a XXX for the Non Borrower reflecting the CD was sent and viewed on 9/16. Condition remains for evidence of the Borrowers receipt minimum of 3 days prior to closing. 10/08/2024 Client provided a XXX for the Borrower reflecting CD was sent and viewed on 9/16. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage Payment history 0 X 30 over 34 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 23 Years |
| 304435928 | XXXXXX | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) D C | Credit | Application | Satisfied D | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing a Fraud Report | 10.9.2024 Client provided Fraud Report | Condition satisfied | Not Applicable | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage Payment history 0 X 30 over 34 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 23 Years |
| 304637030 | XXXXXX | XXXXXX | UT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property for 8 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has > 12 years at current job |
| 304634066 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 733 exceeds guideline.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on current job for 19 years. |
| 304637029 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 6 years and 1 month<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.09% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 798 is 98 points above program guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304634064 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | FEMA | Satisfied | PRVAFEMA181 | Natural Disaster Area, inspection indicates damage (Individual & Public) | No | Natural Disaster Area, inspection indicates damage | 10.28.2024 Client provided Post Close Disaster inspection dated 10.26.2024 with $1,000 - $10,000 damage along with exterior photos. 1.17.2025 Client provided post disaster inspection dated 1.15.2025 with no damage along with exterior photos and appear minor roof damage from prior report have been fixed, current updated photos reflect no roof damage. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 24 years and 3 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.57% LTV below guideline requirements of 80.00% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 58 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304634064 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | FEMA | Satisfied | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | FEMA disaster effective date of 12/31/99. A post disaster inspection report is required. | 10.28.2024 Client provided Post Close Disaster inspection dated 10.26.2024 with $1,000 - $10,000 damage along with exterior photos. Condition remains 1.17.2025 Client provided post disaster inspection dated 1.15.2025 with no damage along with exterior photos and appear minor roof damage from prior report have been fixed, current updated photos reflect no roof damage. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 24 years and 3 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.57% LTV below guideline requirements of 80.00% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 58 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304634063 | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 754 is 54 points above program guideline minimum of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.01% LTV below guideline requirements of 85.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 15.58% DTI is below guideline requirement of 45.00%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304637028 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 40% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 41 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 13 years |
| 304637027 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied D | CMPSTCP2057 | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Missing Illinois Cert of Compliance or Cert of Exemption. | 02/032025 Client provided missing Illinois Pred Lend Database - Cert of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10.4 years current job time<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.57% is below max allowable per guides of 45%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 10.4 years in same line of work/profession |
| 304637026 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 47.39% below guideline requirements 75.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property > 10 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.75% below guideline requirement 45.00%. |
| 304634062 | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 57% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 71 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 27.92% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8.08 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession for B2 of 10.08 years |
| 304634061 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9.5 years current job time<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years current residence time<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: CB has 18 years in same line of work/profession |
| 304634060 | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 30 Years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage Payment history 0 X 30 over 40 months. |
| 304634059 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers median credit score of 762 is 102 more points than minimum required score of 660.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers' have positive mortgage history of 29/24 months @ 0 x 30. |
| 304634058 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 21.5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job for 22.1 years. |
| 304634057 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 774 exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.88% CLTV below guideline requirements. Max CLTV 90.00%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.57% below guideline requirement<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Additional documented income (Bonus) not used in qualifying |
| 304634056 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned the subject property for 23 years 7 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with current business since 10/29/2005.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.84% CLTV is 20.16% below the maximum allowable CLTV of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 710 is 30 points above the minimum required score of 680. |
| 304435923 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing XXX in file to verify Lender's ATR/QM status determination | 10.8.2024 Client provided XXX w/QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 21 years and 11 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.28% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 777 is 117 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304435923 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing Divorce Decree, Bank Statement or other documents to confirm B1's income from Child Support. | 10.7.2024 Client provided copy of Divorce Decree supporting borrower receiving monthly child support of $XXX.XX which is being used for qualifying. Condition remains for evidence of receipt of monthly Child support of $XXX.XX, documentation to support per guidelines requirement. 10.8.2024 Client provided 12 months bank statements verifying receipt of monthly payments of child support | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 21 years and 11 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.28% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 777 is 117 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304637024 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | $200.40 Zero Tolerance due to decrease in Lender Credit from $374.00 to $173.60 on CD 1/2, without a valid Change in Circumstance (CIC). Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 02/04/2025 Client provided PCCD 2/3 with Principal Reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.10% below guideline requirement.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 8 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 8 years 2 months. |
| 304637024 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Credit/Mtg History | Satisfied B | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing document UDM which shows a new debt (per Lender XXX comments pg 388), and missing evidence of payment being used. | 1.21.2025 Client provided undisclosed debt verification w/XXX payment $XXX and balance $XX,XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.10% below guideline requirement.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 8 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 8 years 2 months. |
| 304634054 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP4384 | MI Home Loan - Michigan Home Loan Toolkit is not timely | No | MI Home Loan - Michigan Home Loan Toolkit is not timely | 01/22/2025 Client provided Combined Disclosure list reflecting Tool kit was disclosed on 12/04. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 680. Loan credit score is 702.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Maximum DTI allowed is 45%. Loan DTI is 30.36%. |
| 304435920 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Title | Satisfied | CRDTIL100 | Potential title issue | No | The title report and 1st mortgage property is listed as PUD. The appraisal report and the 2nd mortgage does not have a PUD rider and PUD is not completed on appraisal. Need verification if property is PUD. | 9.25.2024 Client provided updated executed Deed of Trust along with executed PUD Rider attached to Mortgage. Condition remains (1). updated appraisal to reflect as PUD along with monthly HOA and (2). Provide LOX stating Deed of Trust is being sent for re-recording. 10.3.2024 Client provided updated appraisal with reflecting as PUD along with monthly HOA. Condition remains for Client LOX on Letterhead stating Deed of Trust is or have been sent for re-recording. 10.8.2024 Client provided LOX Letterhead stating intent is to inform you that mortgage will have the mortgage re-recorded to add the PUD Rider. LOX is dated October 7, 2023 (typo year should be 2024) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 801 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 30.17% is 49.83 points above the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x43 exceeds mortgage history guidelines. |
| 304634051 | XXXXXX | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 65.09% max per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.47% max per guidelines is 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 6 years. |
| 304634050 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/16/2025 Client provided XXX for both reflecting CD sent 12/16 and completed on 12/18. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10.11 years current job time.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3.00% revolving credit line utilization.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.87% is below max allowable per guidelines of 45%. |
| 304634050 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing proof of no HOA dues for property located at: XXXXX XXXXXXX XXXX XXXX, XXXXX, XX. | 1.14.2025 Client provided LOX stating, We are not required to look up all additional REO's to determine if there is HOA dues. if something indicated there could be, we would ask. Response, when providing PITIA payment for any properties, should also include an LOX from borrower stating no monthly HOA or any documentation to support no HOA, normally an LOX from borrower is provided in/for loan file. Accepting assuming no HOA on this property, with low DTI and 1st lien (on 2nd Home) is with current Lender. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10.11 years current job time.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3.00% revolving credit line utilization.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.87% is below max allowable per guidelines of 45%. |
| 304637022 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied B | CMPSTCP1307 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not dated | No | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not dated | 02/05/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 1/8. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 24% revolving credit line utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7 years current job time |
| 304637022 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied B | CMPSTCP1319 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not dated | No | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not dated | 02/05/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 1/8. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 24% revolving credit line utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7 years current job time |
| 304637022 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied D | CMPSTCP1297 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | No | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | 02/05/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 1/8. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 24% revolving credit line utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7 years current job time |
| 304637022 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied D | CMPSTCP1309 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | No | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | 02/05/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 1/8. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 24% revolving credit line utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7 years current job time |
| 304435914 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 690 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 45.99% is 29.01 points below the guideline program minimum.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 14 years. |
| 304634049 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 29 years, 10 months at current job.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 18 years, 1 month at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.98% CLTV; 80% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 qualifying score; 700 required. |
| 304637020 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 798 exceeds guidelines 760<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.10% below guideline requirement 45.00%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 63.55% below guideline requirements 90.00% |
| 304435912 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 83 points higher than 700 min<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 51.19% lower than 80% max |
| 304637019 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 690 exceeds guide lines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 58.11% is below lender's guide line maximum of 75%. |
| 304637018 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 32% revolving credit line utilization<br>CFCFS2860: Good credit history<br> - Clayton Comments: deep credit file with all accts. paid as agreed. No collections, judgements, public records |
| 304634043 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower been at current residence for 11 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 792 max per guidelines is 760.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 20.51% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 34.72% max per guidelines is 90%. |
| 304634041 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 79.76% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 732 is 32 points above program guideline minimum of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.53% DTI is below guideline requirement of 45.00%. |
| 304634039 | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Credit | Application | Satisfied D | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | B2 on its final application did not indicate a citizenship status (US citizen, Perm Resident or Non Permanent Resident) Please provide updated 1003 with correct information and supporting documentation is required. | 1.15.2025 Client provided Final 1003 for B2 however 1st page still reflect blank (unchecked) Citizenship boxes, condition remains 1.27.2025 Client provided updated 1003 for B2 with Citizenship US Citizen | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 7.11 years current job time<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5.1 yrs. current residence time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 58 mos. mtg. payment history exceeds min. guideline requirement of 12 mos. |
| 304435908 | XXXXXX | XXXXXX | DC | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender provided a QM worksheet but it did not indicate a QM status. | 10.8.2024 Client provided XXX w/QM Rebuttable Presumption | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.68 DTI below guideline of 45. |
| 304435907 | XXXXXX | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property >13 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 738 exceeds guidelines 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 74.63% below guideline requirements 80.00% |
| 304634037 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance due to Transfer tax increase from Initial CD 12/03/24 $429 to revised CD 12/16/24 $1438.80 COC issued does not list fee amount or give details as to why fee increased. No cure provided on borrower final CD prior to close. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure, LOX, Refund of $1009.80 w/ Proof of Delivery. | 01/16/2025 Client provided PCCD 1/15 with Principal Reduction, LOE and loan transaction history reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.88 DTI below guideline of 45. |
| 304634036 | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Credit/Mtg History | Satisfied | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation confirming subject property is exempt from property taxes. | 1.22.2025 Client provided copy of subject tax bill $0 and last paid taxes in 2006 and LOX stating, there is no tax for 2024 and that the borrower has not had to pay taxes on the property since 2006. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 691 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.64 DTI below guideline of 45. |
| 304634035 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 17.2 years current job time<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 16.11 years current job time<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10.8 years current residence time |
| 304435905 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 5 years and 1 month<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.70% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 785 is 125 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 50+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304634034 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 47 month mortgage payment history exceeds the 12 month minimum guideline requirement by 35 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The 682 credit score exceeds the guideline minimum credit score of 660 by 22 points. |
| 304435904 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The credit score of 801 exceeds the program minimum required FICO of 700 by 101 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The CLTV of 39% is 41% below the maximum CLTV allowed of 80%. |
| 304634033 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/15/2025 Client provided Disclosure tracking reflecting CD sent via XXX 2/18. 3 days for delivery and 3 day waiting period makes earliest closing date 12/25. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.63% below guideline requirement 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 67.54% below guideline requirements 85.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 15 years time at current job |
| 304435901 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 14 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has worked for present employer for 20 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0 x 30 in 58 months exceeds 12 months |
| 304634032 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing proof no HOA dues for property located at: XXX | 1.10.2025 Client provided XXX verifying monthly HOA of $80.00 on property: XXX and provided updated 1008 including $80.00 in DTI | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15.1 years current residence time<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 23 years current job time<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 27.10 years in same line of work/profession |
| 304634031 | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | Compliance | RESPA | Satisfied B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | 01/15/2025 Client provided the missing List of homeowners counseling organizations dated 12/9. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.54 DTI below guideline of 45. |
| 304634031 | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP4384 | MI Home Loan - Michigan Home Loan Toolkit is not timely | No | MI Home Loan - Michigan Home Loan Toolkit is not timely | 01/16/2025 Client provided combined disclosures acknowledging receipt of the toolkit 12/9. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.54 DTI below guideline of 45. |
| 304435899 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The credit score of 770 exceeds the minimum required credit score of 700 by 70 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 60% is 20% below the maximum CLTV of 80%. |
| 304349314 | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Lenders ATR determination reflects RP Claytons conclusion Non QM | Client provided Split Fee worksheet, fees update. XXX Report in file reflects QM Rebuttable Presumption and DD firm status is Rebuttable Presumption. Condition satisfied | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40% is below the guideline maximum of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71% is below the guideline maximum of 80%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed at her current job for 9 years. |
| 304349314 | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | Federal Higher-Priced | Satisfied | CMPFDHP2948 | Federal Higher-priced mortgage loan - Appraisal does not meet HPML standards | No | File only contains and AVM. | Client provided Split Fee worksheet, fees update. XXX Report in file reflects QM Rebuttable and DD firm status is Rebuttable Presumption. Condition satisfied | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40% is below the guideline maximum of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71% is below the guideline maximum of 80%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed at her current job for 9 years. |
| 304349314 | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | Section 32 | Satisfied | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Provide split fee to determine fees paid by provider or affiliate | 05/07/24 Client provided the Fee Split worksheet. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40% is below the guideline maximum of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71% is below the guideline maximum of 80%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed at her current job for 9 years. |
| 304349314 | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | State High Cost | Satisfied | CMPSTHC308 | IL High-Cost Loan by exceeding point and fee threshold | No | IL High-Cost Loan by exceeding point and fee threshold due to adjusted charges of $2445.03 exceeds IL threshold of $2373.68. | 05/07/24 Client provided the Fee Split worksheet. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40% is below the guideline maximum of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 71% is below the guideline maximum of 80%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been employed at her current job for 9 years. |
| 304634029 | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 8.2 years in same line of work/profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 59 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. |
| 304435896 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 55 months of mortgage history verified as paid as agreed exceeds the 12 month mortgage history required per the program guidelines by 43 months.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Loan proceeds are paying off mostly all debt and reducing monthly outflow by approximately $2600 improving thee borrower's overall ability to repay. |
| 304634028 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 75%. Loan LTV is 69.39%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 687. |
| 304435892 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 54.89 is well below guideline threshold of 70.00.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 30 years. |
| 304435891 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11.2 years current job time<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 11.1 years current job time<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 26% revolving credit utilization |
| 304435889 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.7 is well below guideline threshold of 45.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 760 is well above guideline threshold of 660. |
| 304634025 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied D | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing payoff and close letter for XXX HELOC paid as close $52,070.33 | 1.22.2025 Client provided executed by borrowers requesting closure of HELOC w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 29.1 years in same line of work/profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 41 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. |
| 304634023 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x59 exceeds mortgage history guidelines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 13 years. |
| 304435888 | XXXXXX | XXXXXX | IL | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 50 months exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 30.03% below guideline requirement of 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 15 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 7 years. |
| 304634019 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.86% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 764 is 104 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304634017 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is 72.18%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 765. |
| 304634016 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 11 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.73% LTV below guideline requirements of 75.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25.36% DTI is below guideline requirement of 45.00%. |
| 304634015 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years and 10 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 7 years and 8 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.41% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 793 is 133 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.15% DTI is below guideline requirement of 45.00%. |
| 304637014 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years current residence time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99 mos. mtg. payment history review exceeds guideline min. requirement of 12 mos. |
| 304634012 | XXXXXX | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years in same line of work/profession<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 6.00% revolving credit line utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 22 mos. mtg. payment history exceeds min. guideline requirement of 12 mos. |
| 304435882 | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 10/09/2024 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosure dated 7/23. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 17 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 26 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 715 max per guidelines is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 26.33% max per guidelines is 45%. |
| 304634011 | XXXXXX | XXXXXX | NY | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x43 mortgage payment history exceeds guideline of 0x30x12.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job since 4/7/2003. |
| 304435881 | XXXXXX | XXXXXX | VA | QM: Safe Harbor | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide documentation all titleholders received an accurate CD 3 business days prior to closing. | 10/15/2024 Client provided XXX for both reflecting CD sent and viewed on 9/30. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 24.88 is below lender's maximum of 43%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 6 years at current job. |
| 304435880 | XXXXXX | XXXXXX | ID | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied the subject property for 11 years 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 68.16% and guidelines allow the HCLTV to be 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The lowest middle credit score is 715 and guidelines allow the credit score to be 700. |
| 304637012 | XXXXXX | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Compliance | RESPA | Satisfied B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing RESPA - List of homeowners counseling organizations. | 02/04/2025 Client provided the missing List of homeowners counseling organizations dated 11/21/2024. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 14% revolving credit line utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 38 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. |
| 304634010 | XXXXXX | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: At job since 2017<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 + years at residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.24% CLTV |
| 304435878 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide documentation both borrower and non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 10/14/24 Client provided XXX tracking for both title holders confirming receipt of initial CD 9/23/24.Condition satisfied | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 669 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.40 DTI below guideline of 45. |
| 304435878 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Title | Satisfied | CRDTIL100 | Potential title issue | No | Missing evidence that the judgment showing on the Current Owner Search Report has been cleared. | 10/15/2024 client provided updated title reflecting no Judgments. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 669 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.40 DTI below guideline of 45. |
| 304634007 | XXXXXX | XXXXXX | AK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/17/2025 Client provided XXX for both reflecting CD sent and completed on 12/23. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.87 is less than max of 75.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.23 is less than 45. |
| 304435876 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property>18 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 726 exceeds guidelines 700. |
| 304634006 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job for 14.1 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current job for 14.11 years. |
| 304634003 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.46 DTI below guideline of 45. |
| 304637011 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 35% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 40 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.02% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 11.8 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 18.25 years |
| 304634000 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 19 Years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been with current Employer for 10 Years |
| 304435874 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3604 | TRID - Error discovered on Closing Disclosure | No | Correction is required to Borrower Name on Initial CD 9/12/2024. Borrower name disclosed as AK XXX instead of XXX | 10/14/24 Client confirmed borrower's name was corrected on final CD, condition satisfied | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.15% LTV below guideline requirements of 80.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years and 4 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 733 is 73 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.13% DTI is below guideline requirement of 45.00%. |
| 304435874 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fees in the amount of $623.00 as Title Fees were added to LE 9/6/2024 without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 10/14/24 Client provided a valid COC 9/3/24 for title fees being added/increased. Condition is satisfied | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.15% LTV below guideline requirements of 80.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years and 4 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 733 is 73 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.13% DTI is below guideline requirement of 45.00%. |
| 304435872 | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton status reflect QM status as QM Rebuttable Presumption (APOR). Lender reflects QM Safe Harbor APOR. The test APR is 9.981%, the benchmark APR is 6.090% resulting in a difference of 3.891%, max difference allowed is 3.50% | 10/08/2024 Client provided an updated XXX reflecting the QM status as Presumption of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 6 years. |
| 304637010 | XXXXXX | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | Property | Satisfied | PRVAPROP179 | Condition of Subject Below Average | No | PCI report lists condition as "Fair". | 1.30.2025 Client provided LOX stating, UW response: fair condition is acceptable since it is minor deferred Maintenace and no significant deferred maint. Also no health or safety issues noted. Response, appears per photos Fair is due to minor deferred maintenance with no health or safety issues noted. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 56% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 62 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.33 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 12 years |
| 304633999 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP4385 | MI Home Loan - Cannot determine if MI Home Loan Toolkit was provided in a timely manner | No | MI Home Loan - Cannot determine if MI Home Loan Toolkit was provided in a timely manner | 01/30/2025 Client provided Initial Disclosures document reflecting Toolkit was received 12/28. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 38 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 30% revolving credit utilization<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.45% is below ma allowable per guidelines of 45% |
| 304435870 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 13years which exceeds the program minimum of 2yrs by 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 44% CLTV is 25% below CLTV allowed per the program guidelines of 80%. |
| 304633998 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6.9 years current residence time<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 25% revolving credit line utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 25 mos. mtg. payment history exceeds min. guideline requirement of 12 mos. |
| 304633997 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x42 exceeds mortgage history guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 20 years. |
| 304633996 | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 6 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.56% DTI is below guideline requirement of 45.00%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 36+ months |
| 304435869 | XXXXXX | XXXXXX | NC | QM: Safe Harbor | QM: Safe Harbor (APOR) C | Property Valuations | FEMA | Satisfied | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | FEMA disaster effective date of 12/31/99. A post disaster inspection report is required. | 10.21.2024 Client provided Disaster inspection dated 10.8.2024 with no damage along with exterior photosCondition manually being satisfied due to Disaster ending date of 12.31.2099 and disaster effective/declaration date of 9.28.2024 with Disaster inspection date of 10.8.2024 | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 8 years and 9 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years and 6 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 6 years and 9 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.20% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 795 is 135 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.38% DTI is below guideline requirement of 45.00%. |
| 304633995 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is 52.53%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 764. |
| 304435868 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25.47 DTI below guideline of 45. |
| 304633994 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 20 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 34.74% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.72% max per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 756 max per guidelines is 720. |
| 304633993 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 credit score exceeds the guideline minimum score of 660 by 84 points.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25% DTI is 20% below the maximum guideline requirement of 45%. |
| 304633992 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/15/2025 Client provided a XXX reflecting CD was sent to Non-Borrower on 10/30, resent and viewed on 10/31. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 755 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 8 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.25% is below lender's guide lines maximum of 45%. |
| 304435866 | XXXXXX | XXXXXX | GA | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No mortgage lates 80+ months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 14.63% lower than 70% max |
| 304637009 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 760 exceeds guide lines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been living at current residence for 30 years. |
| 304435864 | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 33.1 years current residence time<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10.1 years in same line of work/profession<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 9.00% revolving credit line utilization |
| 304435863 | XXXXXX | XXXXXX | MD | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.32% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 733 is 73 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 53+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.53% DTI is below guideline requirement of 45.00%. |
| 304633991 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton determination of Non-QM based on the internal test APR of 8.662 exceeds the benchmark rate of 6.30 plus the 3.5 rate spread trigger. Lender determination of QM SH. Using benchmark date of 12/19/24 for bona-fide discount points. | 1.27.2025 Client provided Fee Split worksheet, fees re-tested. QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 30% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 95 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.02% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 12 years |
| 304633991 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | Section 32 | Satisfied | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Missing Fee Split disclosure for further testing | 01/27/2025 Client provided the fee split document for proper allocation of Affiliate fees. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 30% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 95 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.02% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 12 years |
| 304633991 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | State High Cost | Satisfied | CMPSTHC308 | IL High-Cost Loan by exceeding point and fee threshold | No | Missing Fee Split disclosure for further testing | 01/27/2025 Client provided the fee split document for proper allocation of Affiliate fees. | Condition Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 30% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 95 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.02% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 8 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 12 years |
| 304633990 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.17% below guideline requirement<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 16 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 766 exceeds guidelines |
| 304633988 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 788 exceeds guidelines 760.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.73% below guideline requirement 45.00%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 60.78% below guideline requirements 90%. |
| 304633987 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 17 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 46.62% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 773 is 113 points above program guideline minimum of 660. |
| 304435862 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide ATR documents. | 10/09/2024 client provided XXX report. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV actual 61.68% is less than max of 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI actual 30.52% is less than max of 45%. |
| 304633985 | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 12 years and 8 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 34 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 45.70% LTV below guideline requirements of 85.00% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304633982 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | Texas Home Equity | Satisfied | CMPTXHE846 | TX Equity - Closed before later of appl/discl + 12 days | No | Application date 12/3/2024. Notice Concerning Extensions of Credit dated 12/26/2024. | 01/17/2025 Client provided the Notice Concerning Credits Disclosure dated and signed 12/06. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 62% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 35.61% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.5 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 22 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession for B1 of 21 years |
| 304633982 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 62% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 35.61% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.5 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 22 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession for B1 of 21 years |
| 304633982 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 62% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 35.61% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.5 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 22 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession for B1 of 21 years |
| 304633981 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 37.41 is less than the max of 80.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years in subject property. |
| 304633980 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 6 years and 11 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years and 1 month<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.84% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 725 is 65 points above program guideline minimum of 660. |
| 304633979 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 756 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 6 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.27% is below lender's guide lines maximum of 45%. |
| 304435858 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: CLTV actual 41.54% is less than max of 45%.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrower's reducing outgo by over $900 a month. |
| 304633978 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 60.14% below guideline requirements 80.00%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.21% below guideline requirement 45.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 716 exceeds guidelines 700. |
| 304633977 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D | CRDINC152 | Missing verbal VOE required by guidelines | No | Provide LOX re: Why dates of employment on final 1003 differ from VOE provided. 1003 start date 01/01/2009 vs. VOE start date 10/17/2023. Explain why VOE for employer XXX states borrower is currently on leave? | 1.8.2025 Client provided an LOX stating XXX VVOE which states on leave is borrower 2nd job. Response, initial condition remains regarding 1st employment w/XXX, VVOE say employment start date 10.17.2023 and Final 1003 reflect employment start date 1.1.2009 (info differ, 1003 info differ from VVOE info). Initial condition remains for clarification on employment dates with 1st employment: XXX. 1.17.2025 Client provided LOX stating it was a typo in the system and we updated the previous employment to show a full 2 year history. Response, VVOE reflect hire date of 10.17.2023 however file have 2022 and 2023 w2's from this employer: XXX, it appears employment with XXX started prior to October 2023 due to file have 2022 w2's from this same employer and XXX was a 2nd job and is currently on leave with this 2nd job employment. | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 16 years in same line of work/profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 46 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. |
| 304633977 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing proof of subject monthly HOA dues in the amt. of $65 | 1.8.2025 Client provided Homegenius page which reflect fee of $565 HOA; worst case including $565 vs $65 in DTI without any additional documentation | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 16 years in same line of work/profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 46 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. |
| 304435854 | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 30 years and 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 25.19% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 728 is 68 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 72+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.03% DTI is below guideline requirement of 45.00%. |
| 304633974 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 25 years and 8 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 19 years and 6 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 19 years and 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.69% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 707 is 27 points above program guideline minimum of 680. |
| 304633972 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower been at current residence for 7 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 70.21% max per guidelines is 90%. |
| 304633971 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.17% is below lender's guide lines maximum of 45%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 18 years at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 36.67% is below lender's guide lines maximum of 75%. |
| 304435851 | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been employed at same job for 11years and 1 month which exceeds the minimum 2year requirement by 8years and 1 month.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history verified is 41 months as paid as agreed and exceeds the minimum 12 month requirement by 29 months. |
| 304633970 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 68.83% below guideline requirements 75.00%. |
| 304633969 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Title | Satisfied D | CRDTIL796 | Missing Title | No | Title required. | 1.7.2025 Client provided Title Property Summary Report, separate condition added regarding judgments on title report | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 80%. Loan LTV is 60.89%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 680. Loan credit score is 719. |
| 304633969 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Title | Satisfied D | CRDTIL865 | Title incomplete | No | Client provided Title Summary Report with two (2) unpaid judgments, verify both judgments on title have been paid/removed. | 1.10.2025 Client provided LOX stating, Per the title company ''The two judgments were not a match to our borrower. '' Response, did not see comment in file from Title company verifying no match to our borrower, or was this a verbal comment to Lender. Condition remains for clarification of the email from title stating no match to our borrower, for loan file. 1.13.2025 Client provided Title email LOX stating two judments were not a match to our borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 80%. Loan LTV is 60.89%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 680. Loan credit score is 719. |
| 304633968 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance due to Title Examination fee $100 added to final LE 01/02/25. COC issued 12/27 lists fee amount but does not give sufficient details as to why fee was added. No cure provided on borrower final CD prior to close. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $100 w/ Proof of Delivery. | 01/23/2025 Client provided COC 12/27 reflecting Title Update to cure the lien with the XXX which resulted in the addition of the Title Exam fee with fee disclosed. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.68% LTV below guideline requirements of 75.00% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304633967 | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof initial CD was received by borrower 3 days before consummation date of XXX | 01/17/2024 Client provided a XXX reflecting CD sent and viewed on 12/20. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.42% DTI is below guideline requirement of 45.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 12 years and 7 months |
| 304637003 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the subject property for 34 years 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.53% CLTV is 11.47% below the maximum allowable CLTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 699 is 39 points above the minimum required score of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.64% DTI is below the maximum allowed DTI of 45%. |
| 304633966 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Documentation | Satisfied D | CMPDOC5551 | Missing sufficient documentation to determine the QM Fee limit, QM APR and/or TIL/State Higher-Priced APR or State regulation fee tests | No | Missing final Closing Disclosure. | 01/13/2025 Client provided XXX for both reflecting Borrower was sent CD and completed on 12/16 and sent to Non-Borrower 12/16 and completed on 6/18. | Condition Satisfied. | Hybrid | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 77 month mortgage payment history exceeds the 12 month guideline minimum by 65 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The 70% CLTV is 5% below the maximum guideline requirement of 75%. |
| 304633966 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Documentation | Satisfied D | CMPDOC5553 | Missing sufficient documentation to determine High Cost Fees and APR Limits | No | Missing final Closing Disclosure. | 01/13/2025 Client provided XXX for both reflecting Borrower was sent CD and completed on 12/16 and sent to Non-Borrower 12/16 and completed on 6/18. | Condition Satisfied. | Hybrid | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 77 month mortgage payment history exceeds the 12 month guideline minimum by 65 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The 70% CLTV is 5% below the maximum guideline requirement of 75%. |
| 304633966 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Federal Consumer Protection | Satisfied | CMPFDCP2109 | ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period | No | Missing final Closing Disclosure. | 01/13/2025 Client provided XXX for both reflecting Borrower was sent CD and completed on 12/16 and sent to Non-Borrower 12/16 and completed on 6/18. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 77 month mortgage payment history exceeds the 12 month guideline minimum by 65 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The 70% CLTV is 5% below the maximum guideline requirement of 75%. |
| 304633966 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide the Initial CD with confirmation of borrower receipt at least 3 business days prior to consummation. Additional conditions may apply. | 01/13/2025 Client provided XXX for both reflecting Borrower was sent CD and completed on 12/16 and sent to Non-Borrower 12/16 and completed on 6/18. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 77 month mortgage payment history exceeds the 12 month guideline minimum by 65 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The 70% CLTV is 5% below the maximum guideline requirement of 75%. |
| 304633966 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing final Closing Disclosure. | 01/13/2025 Client provided XXX for both reflecting Borrower was sent CD and completed on 12/16 and sent to Non-Borrower 12/16 and completed on 6/18. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 77 month mortgage payment history exceeds the 12 month guideline minimum by 65 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The 70% CLTV is 5% below the maximum guideline requirement of 75%. |
| 304435850 | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing income verification documents | 9.23.2024 Client provided YTD paystubs and 2023/2022 w2's for both borrowers supporting monthly base income used for qualifying, DTI differ due to removed OT income for B1 with final DTI of 44.32% (Max 45%). Missing Written VOE for prior years breakdown for OT calculation, DTI still within without B1 OT | condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 17 years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |
| 304435850 | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance testing failed by $100.00 due to the addition of Title Examination without valid Change Reasons documented in the file. No evidence of a cure Credit at Closing, please provide documents showing valid reason for the addition of fee, a corrected Post CD and proof of delivery via shipping that includes tracking information within 60 days of consummation. | 10/04/2024 Client provided PCCD 10/03 with a Principal Reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 17 years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |
| 304435850 | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied D | CRDINC2302 | Missing Required Income Documentation | No | Missing paystubs and W2s or WVOE for both borrowers to support the income used to qualify | 9.23.2024 Client provided YTD paystubs and 2023/2022 w2's for both borrowers supporting monthly base income used for qualifying, DTI differ due to removed OT income for B1 with final DTI of 44.32% (Max 45%). Missing Written VOE for prior years breakdown for OT calculation, DTI still within without B1 OT | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 17 years at current residence<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |
| 304633964 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 781 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 18 years at current job. |
| 304633963 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico sore 756 exceeds guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 24% is below lender's guide line maximum of 45%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 10 years. |
| 304633962 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Final LE 12/23/2024 is not signed and there is no evidence in file of when it was received by borrowers. Delivery method defaults to the mailbox rule | 01/29/2025 Client provided XXX 12/23 & 12/27 for both reflecting reflecting 12/23 LE received and viewed on 12/23 and both received and completed CD 12/27 on 12/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5.10 years current job time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 29 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3.00% revolving credit line utilization |
| 304633961 | XXXXXX | XXXXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero percent tolerance of $125.00 due to added Title Doc Prep on CD 12/16/2024 with no COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/22/2025 Client provided COC 12/13 reflecting Updated by request from Borrower for a name change due to marriage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 50.90% below guideline requirements 90.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property > 16 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 19.44% below guideline requirement 45.00%. |
| 304633959 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Satisfied B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations | 01/10/2025 Client provided missing List of homeowners counseling organizations dated 10/02. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 728 exceeds guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.63% is below lender's guide lines maximum of 45%. |
| 304633958 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 7.60 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The CLTV of 63.99% is 11.01% < maximum CLTV of 75.00%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower significant time as an Information Security Specialist 3 for 10 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has positive mortgage history of 45 months @ 0 x 30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers median credit score of 704 is 44 more points than minimum required score of 660. |
| 304633957 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied B | CMPSTCP1307 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not dated | No | Missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan). | 01/27/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 9/9. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 32.57% max per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 26.45% max per guidelines is 45%. |
| 304633957 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied B | CMPSTCP1319 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not dated | No | Missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost). | 01/27/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 9/9. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 32.57% max per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 26.45% max per guidelines is 45%. |
| 304633957 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied D | CMPSTCP1297 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | No | Missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan). | 01/27/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 9/9. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 32.57% max per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 26.45% max per guidelines is 45%. |
| 304633957 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied D | CMPSTCP1309 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | No | Missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost). | Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 32.57% max per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 26.45% max per guidelines is 45%. |
| 304633957 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3552 | TRID - Loan Estimate not timely | No | Missing Initial LE dated within 3 days of the application date of 09/05/2024. | 01/23/2025 Client provided missing Initial LE 9/9. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 32.57% max per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 26.45% max per guidelines is 45%. |
| 304633957 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | $100.00 Zero Tolerance due to Title Search fee was added without a Change in Circumstance (CIC). Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 01/23/2025 Client provided COC 10/17 reflecting Updated Title due to Borrowers permission to to clear UCC from title requiring Search fee added. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 32.57% max per guidelines is 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 26.45% max per guidelines is 45%. |
| 304637002 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-borrower has been in current profession for 11.1 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower at residence for 10.1 years. |
| 304435847 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.93X% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 709 is 29 points above program guideline minimum of 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 304633956 | XXXXXX | XXXXXX | ME | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.74 is less than 75.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by $594 a month. |
| 304435845 | XXXXXX | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton determination of Non=QM based on the internal test APR of 9.522 exceeds the benchmark rate of 5.95 plus the 3.5 rate spread trigger. Lender determination of QM SH. Using benchmark date of 9/19/2024 for bona-fide discount points. | 10/23/2024 client provided a XXX reflecting status as Non-QM but determination is now QM SH. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 745 exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 35 years. |
| 304633955 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/16/2025 Client provided XXX for both reflecting CD sent to Non-Borrower 12/17 and confirmed on 12/19. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 758 exceeds guide lines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been living in the same residence for 23 years. |
| 304633954 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 22 years current residence time<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 23 years in same of line of work/profession<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 22% revolving credit line utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 47 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. |
| 304633953 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $100.00 as Title Examination fee was added without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information, | 01/08/2025 Client provided a collaborate Comment: COC for the exam fee is located on page 314 of the bundle. Condition remains. COC 12/04 does not indicate why the Title needed to be updated. Provide a valid reason for the addition of the Exam fee or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking.01/14/25 Client provided another 12/4 COC indicating the title update was required to clear the UCC issue found on the property summary report. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 59% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 26.75% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 8.33 years |
| 304637000 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 82.24 is less that the max of 90.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 years in current profession. |
| 304633951 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | The test APR is 9.991%, the benchmark APR is 6.390% resulting in a difference of 3.601%, max difference allowed is 3.500%. Based off lock date 12/9/2024 | 01/23/2025 Client provided COC dated 12/5, re-disclosed on 12/9, reflecting Rate lock and expiration date 3/5 with no extension after. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 19 years at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 75.40% below guideline requirements 85.00%. |
| 304633949 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.19% DTI below guideline of 45%. |
| 304435841 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower's qualifying credit score of 749 is 49 points higher than the minimum required credit score of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: A total of 59 months paid as agreed mortgage history exceeds the 12 month minimum requirement by 47 months. |
| 304435840 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Application | Satisfied D | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Provide the Permanent Resident Alien documents | 10.2.2024 Client provided LOX stating, disagree with finding, we have an unexpired California Driver's license in file being used as borrower's ID. Response, Final 1003 reflect Citizenship as Permanent Resident Alien. Condition remains for Green card 10/09/2024 client provided an updated 1003 reflecting borrower is a US citizen. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 51% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 33.10% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 9 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6 years |
| 304636999 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Need evidence of change of circumstance letter or a copy of a refundable check in the amount of $100 for zero tolerance fees.A Title Examination fee was added to the CD dated 12/23/2024. | 02/05/2025 Client provided COC 12/19 reflecting Borrower gave permission to clear/Payoff of liens found on Property Summary Report resulting in Exam fee added. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 60 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: CB has 7.2 years current residence time |
| 304636998 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Satisfied B | CRDINC2408 | Income verification does not meet guidelines | No | File have 2023/2022 1040's to support Schedule C loss 1. Missing signed dated 2023/2022 1040's 2. Missing 2023/2022 1040 Transcripts | 1.9.2025 Client provided LOX stating see signed 1040's however no documentation provided. Condition remains 1.10.2025 Client provided post close dated 1.10.2025 pg 2 of 1040's 2023/2022; condition remains for 2023/2022 1040 Transcripts2.3.2025 Client provided 2023/2022 1040 Transcripts (post close dated 1.29.2025) | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 19 years 8 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has significant time at current job, 16 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 30 years |
| 304633947 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 782 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 20 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 41.44% CLTV below guideline requirements<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.55% below guideline requirement |
| 304633946 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 743 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.83% CLTV below guideline requirements. Max CLTV 85.00% |
| 304435839 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV actual of 52.26 is less than max of 80.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI actual of 29.38 is less than max of 45. |
| 304435838 | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property > 20 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.42 below guideline requirement 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 65.19% below guideline requirements 75.00%. |
| 304633945 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 credit score exceeds the guideline minimum credit score of 700 by 53 points.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 46 month mortgage payment history exceeds the 12 month guideline minimum by 34 months. |
| 304633944 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 8 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 800 exceeds guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.50% is below lender's guide lines maximum of 45%. |
| 304633942 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.55% is less than max of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 58.08% is less than max of 90%. |
| 304435836 | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing proof of subject HOA dues in the amt of $42/mo. | 10.18.2024 Client provided evidence of monthly HOA of $41.67 for subject | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 30.11 years current job time<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 26.7 years current job time<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 24% revolving credit line utilization |
| 304633941 | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 90%. Loan LTV is 67.67%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 776. |
| 304636997 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 6 years and 1 month<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 16 years and 9 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 304633939 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 60% below guideline requirements of 80%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 91 months exceeds guidelines of 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 13.08 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 13.5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 20.08 years. |
| 304435834 | XXXXXX | XXXXXX | PA | QM: Safe Harbor | QM: Safe Harbor (APOR) D | Credit | Title | Satisfied D | CRDTIL796 | Missing Title | No | Provide copy of Title | 10/21 Client provided title | condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 72% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 28.70% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14.08 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 14.08 years |
| 304435833 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Initial LE issued prior to redisclosed LE issued 8.16.2024 for lock. | 10/07/2024 Client provided missing Initial LE 10/13. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 20 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 57.28% is 17.72 points below the guideline program minimum. |
| 304633936 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Home Mortgage Information Document not provided | 01/17/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 10/21. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 699 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.43 DTI below guideline of 45. |
| 304633936 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Application | Satisfied D | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing third party fraud report. | 1.17.2025 Client provided Fraud Report | Condition satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 699 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.43 DTI below guideline of 45. |
| 304435831 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Borrower Acknowledged receipt of Initial CD 09/20/2024 on 09/20/2024. Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing | 10/14/24 Client provided XXX tracking for initial CD 9/20/24 confirming NBS receiving disclosure on 9/23/24 (3 days prior to closing date XXX) Condition satisfied | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 27 points higher than 700 min<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 6.88 % lower than 80% max |
| 304435830 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide documentation all titleholders received an accurate CD 3 business days prior to closing. | 10/15/2024 Client provided XXX for both reflecting CD sent and viewed on 9/27. | Condition Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max allowed DTI is 50% and the borrower has qa 39.862% DTI.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 80% and the borrower has a 61.413% CLTV. |
| 304435828 | XXXXXX | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 10/09/2024 Client provided XXX for both reflecting CD was sent and viewed on 8/8. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 9 Years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 14 Years. |
| 304435828 | XXXXXX | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | Property Valuations | FEMA | Satisfied | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Missing a subsequent property inspection for Post close FEMA disaster #4830 for XXX declared 9-30-2024. | 10/10/2024 client provided a post disaster inspection reflecting no structural damage and only minor damage to the fascia and roof. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 9 Years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 14 Years. |
| 304636994 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 761 exceeds guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.87% is below lender's guide lines maximum of 45%. |
| 304633934 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Provide profit andf loss statement for XXX income | 1.28.2025 Client provided YTD 2024 P/L and B/S for business Note: YTD 2024 Balance Sheet reflect Shareholder's Distribution income. both borrowers 50% ownership each and this is 2nd job for B1 | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max allowed CLTV is 80% and the borrower has a 53.33% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max allowed DTI is 50% and the borrowers have a 39.808% DTI. |
| 304633934 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No | Provide balance sheet for XXX income | 1.28.2025 Client provided YTD 2024 P/L and B/S for business Note: Balance Sheet have Shareholder's Distribution, both borrowers 50% each ownership and this is now 2nd job for B1 | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max allowed CLTV is 80% and the borrower has a 53.33% CLTV.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max allowed DTI is 50% and the borrowers have a 39.808% DTI. |
| 304633933 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance due to Appraisal fee increase from revised LE 10/26/24 $550 to LE 11/13/24 $650 partial POC on CD's. COC issued 11/13 lists fee amount but does not give sufficient detail as to why fee increased. No cure provided on borrower final CD. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure, LOX, Refund of $100 w/ Proof of Delivery. | 01/16/2025 Client provided COC 11/08 reflecting appraisal fee increase due to complexity for distance of comparable and drive time. Also reflects Title order resulting in Title - Document fee $150.00, government recording Fee - Deed $100. Condition remains. Retesting results in a tolerance of $125.00. Provide a valid reason for the Title order that resulted in a fee for Document Preparation or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery.01/22/2025 Client provided the COC dated 11/08 reflecting that the Title update was due to Borrower requesting Name update on deed due to marriage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 55 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 4.83 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 10.5 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 17.25 years |
| 304636993 | XXXXXX | XXXXXX | MN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Credit | Legal Documents | Satisfied D | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Provide an estoppel letter closing the HELOC to future draws. | 1.31.2025 Client provided executed by borrower requesting closure of HELOC w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 24 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 5 years for B2 |
| 304633930 | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 746 exceeds guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.44% is below lender's guide lines maximum of 45%. |
| 304435820 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.96% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 759 is 79 points above program guideline minimum of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 20.63% DTI is below guideline requirement of 45.00%. |
| 304633929 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | RESPA | Satisfied B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | 01/23/2025 Client provided missing List of homeowners counseling organizations 11/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 56.85% below guideline requirements 85.00%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has > 5 years at current job |
| 304633929 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3552 | TRID - Loan Estimate not timely | No | Application date 11/23/24. Earliest LE provided 12/06/24 w/ COC form issued 12/05 indicating prior numerical changes. Missing initial LE. | 01/23/2025 Client provided missing Initial LE 11/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 56.85% below guideline requirements 85.00%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has > 5 years at current job |
| 304633928 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 735 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 14 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.81% is below lender's guide line maximum of 45%. |
| 304435819 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Closing date XXX. Initial CD date issued 10/02/24. No Confirmation of Receipt of Initial CD and no evidence in file for both title holders receiving initial CD w/ proof of delivery min 3 days prior to consummation. | 10/22/2024 Client provided XXX for both Title holders reflecting CD was sent and viewed on 10/2. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 1 month<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 69.10% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 756 is 96 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 39+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304633927 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 FICO exceeds guideline of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x44 mortgage payment history exceeds guideline of 0x30x12. |
| 304435817 | XXXXXX | XXXXXX | MN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 9/23/24 3 days prior to consummation date of XXX | 10/14/24 Client provided XXX tracking for initial CD 9/23/24 confirming borrower's receipt on 9/23/24. Condition satisfied | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max allowed DTI is 50% and the borrower has a 36.411% DTI.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 80% and the borrower has a66.198% CLTV. |
| 304633926 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 credit score exceeds the guideline minimum credit score of 660 by 34 points.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 46 month mortgage payment history exceeds the 12 month minimum mortgage history by 34 months. |
| 304633925 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in the current job for 20.6 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower at current residence for 19.6 years. |
| 304349085 | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years and 3 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 28 years and 6 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 11 years and 1 month<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36.51% LTV below guideline requirements of 80% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 701 is 41 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 20.11% DTI is below guideline requirement of 45%. |
| 304633923 | XXXXXX | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.84% below guideline requirement of 45% |
| 304435814 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Satisfied B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeownership dated 7/26/24 not within 3 business days of initial application date of 07/09/2024, | 10/08/2024 Client provided missing List of homeowners counseling organizations dated 7/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.61 DTI below guideline of 45. |
| 304435813 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Total paid as agreed mortgage history of 136 months exceeds the minimum required 12 months by 124 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at the current residence for 23yrs which is 22years and 6 months longer than the required minimum. |
| 304633921 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 49.59% below guideline requirements 90.00%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 811 exceeds guidelines 760<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property > 20 years. |
| 304633920 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower been at current residence for 9 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 31.04% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 70.87% max per guidelines is 80%. |
| 304633917 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.72% below guideline requirement 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 66.55% below guideline requirements 90.00%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has >13 years at current job |
| 304633916 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0.00% revolving credit line utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 47 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. |
| 304435811 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower using only 5% of available credit<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 12 month payment history required, 28 months in file with no lates<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum score 700, current score 764 |
| 304633915 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years in residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 49.68% is less than the max of 80%. |
| 304633913 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.26% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 817 is 157 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 24 years and 2 months |
| 304633912 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 80%. Loan LTV is 57.98%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 680. Loan credit score is 730. |
| 304636989 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 65.29% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 20.43% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 21.08 years |
| 304633911 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33% DTI is 12% below the maximum guideline requirement of 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 84 months of mortgage payment history exceeds the guideline minimum requirement of 12 months by 72 months. |
| 304435808 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 46 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 10 years |
| 304633910 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 4.00% revolving credit utilization<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8.6 years current residence time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 41 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. |
| 304633909 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 804 exceeds guidelines 760.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 39.78% below guideline requirements 90.00%. |
| 304435807 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 44.62% below guideline requirements 75.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property for 28 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 690 exceeds guidelines 680. |
| 304633908 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 80.00% below guideline requirements 85.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 10 years at current job. |
| 304636986 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned the subject property for 6 years 1 month.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since 6/20/2011.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 40.96% CLTV is 26.22% below the maximum allowable CLTV of 67.18%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 718 is 38 points above the minimum required score of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.89% DTI is below the maximum allowed DTI of 45%. |
| 304435805 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 19 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 737 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 72.82% is 7.18 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x33 exceeds mortgage history guidelines. |
| 304633907 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48.68% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 724 is 64 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.10% DTI is below guideline requirement of 45.00%. |
| 304633906 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 8 years and 5 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years and 8 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 750 is 90 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 33+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.15% DTI is below guideline requirement of 45.00%. |
| 304633905 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.82 DTI below guideline of 45. |
| 304636985 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12.4 years current residence time<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 14.3 years current job time<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 17% revolving credit line utilization |
| 304633902 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 19.65% is below the max of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 49.20% is below the max of 90%. |
| 304633901 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide first lien servicing docs.May be subject to additional conditions upon review. | 1/22 Client provided the servicing docs | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 28 years 1 month at residence<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: At job since X/XX/XX |
| 304633900 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $100 due to added Title Exam fee on LE 12/5/24 with no valid reasons documented on COC 12/5/24. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/24/2025 Client provided COC 12/05 reflecting Title Examination is $100.00 is required after Borrower provided permission to cure the UCC lien. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.77 is less than max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 72.32 is less than max of 45. |
| 304636984 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 62% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 90 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 33.53% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 20.17 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 22 years |
| 304633899 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 64.56% below guideline requirements 85.00%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 13 years at current job |
| 304633898 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 755 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 9 years at current job. |
| 304633897 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 01/23/2025 Client provided approved exception request for Texas Equity T.42 Title Endorsement. | Initial and Final B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 37.98% below guideline requirements 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property > 17 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 27 years time at current job |
| 304633897 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 01/23/2025 Client provided approved exception request for Texas Equity T.42.1 Title Endorsement. | Initial and Final B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 37.98% below guideline requirements 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property > 17 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 27 years time at current job |
| 304633895 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 54% below guideline requirements of 70%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 26.46% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 18.7 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 5.08 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 6.5 years |
| 304633894 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is 34.85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 752. |
| 304633893 | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Title | Satisfied D | CRDTIL796 | Missing Title | No | Missing Title Report | 1.27.2025 Client provided Title Property Summary Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 18 Years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current employer for 9 Years |
| 304435796 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 11 Years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 30 Years |
| 304633891 | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 24 years and 8 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.72% LTV below guideline requirements of 75.00% per program. |
| 304633889 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x46 exceeds mortgage history guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 37.30% is 7.7 points below the guideline program minimum.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 12 years. |
| 304435792 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of 9/24/2024. | 10/08/2024 Client provided XXX for both reflecting CD was sent and viewed 9/19. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 809 is well above guideline threshold of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 8 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 7 years. |
| 304636983 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 9 years and 11 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 9 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 44.68% LTV below guideline requirements of 85.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 24.41% DTI is below guideline requirement of 45.00%. |
| 304633884 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 797 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 13 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.36% is below lender's guide line maximum of 45%. |
| 304636982 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | RESPA | Satisfied B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Application date is 11/22/2024 and list of homeowners counseling organizations is dated 12/18/2024 - not provided within 3 days of application. | 02/03/2025 Client provided missing List of homeowners counseling organizations dated 11/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10.8 years current residence time<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.45% is below max allowable per guides of 45%<br>CFCFS2860: Good credit history<br> - Clayton Comments: deep credit file with all accts. paid as agreed. 0X30,60,90 days. No collections, judgements, BK |
| 304636982 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3552 | TRID - Loan Estimate not timely | No | Application Date 11/22/2024, missing initial LE disclosed to borrower within 3 business days of application date. | 02/03/2025 Client provided missing Initial Loan Estimate dated 11/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10.8 years current residence time<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.45% is below max allowable per guides of 45%<br>CFCFS2860: Good credit history<br> - Clayton Comments: deep credit file with all accts. paid as agreed. 0X30,60,90 days. No collections, judgements, BK |
| 304435786 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 18 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 19 years. |
| 304633882 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.86 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 29.61 is less than the max of 90. |
| 304435784 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 10/07/2024 Client provided OH CSPA; Home Mortgage Information Document with acknowledgement disclosure dated 8/28. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 769 is well above guideline threshold of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 21 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 24 years. |
| 304633881 | XXXXXX | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 12 years and 2 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 6 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.94% LTV below guideline requirements of 75.00% per program. |
| 304435783 | XXXXXX | XXXXXX | WA | QM: Safe Harbor | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $375 as Discount Points increased without a COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 10/16/24 Client provided the missing 9/24 COC for the Revised 9/27 CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7.1 years current residence time<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 16% revolving credit utilization<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 36.21% is below max allowable per guidelines of 80% |
| 304636978 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 31% CLTV is 59% below the maximum guideline CLTV allowed of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The 783 credit score exceeds the guideline required minimum credit score of 660 by 123 points. |
| 304636977 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 8 years and 1 year.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.75% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 728 is 48 points above program guideline minimum of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.89% DTI is below guideline requirement of 45.00%. |
| 304435781 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: LTV of 45% is 35% below the maximum CLTV allowed of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Total verified paid as agreed mortgage history for 64 months exceeds the 12 month minimum requirement by 52 months. |
| 304435780 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton status reflect QM status as QM Rebuttable Presumption (APOR). Lender reflects QM Safe Harbor APOR. The test APR is 9.646%, the benchmark APR is 6.090% resulting in a difference of 3.556%, max difference allowed is 3.50% | 10/15/2024 Client provided an updated XXX 10/12 reflecting QM status as Presumption of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 758 max per guidelines is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 31.93% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.89% max per guidelines is 80%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 16 years. |
| 304633878 | XXXXXX | XXXXXX | MS | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10.2 years current residence time<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5.11 years in same line of work/profession |
| 304636976 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 12 years and 3 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 6 years and 5 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 73.77% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 762 is 102 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.13% DTI is below guideline requirement of 45.00%. |
| 304633876 | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 11 years, 6 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.87% CLTV; 80% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 qualifying score; 700 required. |
| 304633874 | XXXXXX | XXXXXX | SD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 733 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 71.56% is 13.44 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x89 exceeds mortgage history guidelines. |
| 304636974 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Credit/Mtg History | Satisfied | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing evidence of new debt open from Upgrade $233. | 1.31.2025 Client provided Undisclosed debt verification of monthly $233 for debt Upgrade | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 24 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 57.88% max per guidelines is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 27.47% max per guidelines is 45%. |
| 304636973 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/31/2025 Client provided Disclosure history reflecting CD was sent XXX on 12/03 and a one span reflecting CD was sent 12/03 and viewed on 12/10. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.10% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 797 is 137 points above program guideline minimum of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years and 1 month.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304636973 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Documentation | Satisfied | CMPDOC3076 | Legal document was not executed or is incomplete | No | Evidence of signature of additional title holder was not present on the initial Closing Disclosure. | 01/31/2025 Client provided Disclosure history reflecting CD was sent 12/3 and e-signed on 12/10. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.10% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 797 is 137 points above program guideline minimum of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years and 1 month.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304636972 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 20.8 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 9.8 years. |
| 304633871 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $200 due to added Disaster Cert fee on LE 12/4/24 with no valid COC n file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/24/2025 Client provided COC 12/04 reflecting Lock and a Disaster Inspection required to validate no damage due to storms with Certification fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 5 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.73% max per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 747 max per guidelines is 720. |
| 304636971 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Credit/Mtg History | Satisfied | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation of subject property taxes $652.61 monthly. Taxes are not escrowed. | 2.5.2025 Client provided copy of property tax bill supporting monthly amount being used of $652.61 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.45 DTI below guideline of 45. |
| 304633869 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO score 774 exceeds guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0X49 months mortgage payment history exceeds guidelines of 24 months. |
| 304636969 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 42.96 is less that the max of 85.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned current residence 35+ years. |
| 304633868 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18.3 years current residence time<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 12.3 years in same line of work/profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 55 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. |
| 304633866 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 16 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has significant time at current job, 25 years |
| 304636968 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied D | CRDCRMH189 | Missing credit report | No | Missing credit report. | 1.30.2025 Client provided credit report however is not for this transaction, credit report provided is for English file. Condition remains for subject transaction credit report. 1.31.2025 Client provided Credit report dated 12.4.2024 | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 24 years. |
| 304633865 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 30.84% CLTV.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 766 qualifying score.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 38.5 years at current job. |
| 304435773 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of 9/30/2024.Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. | 10/15/2024 Client provided XXX for both reflecting CD was Sent 9/25 and viewed 9/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 797 > is above guideline minimum credit score.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 23 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x44 exceeds mortgage history guidelines. |
| 304633864 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.52% below guideline requirement 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 72.54% below guideline requirements 85.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 11 years at current job. |
| 304636967 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property > 22 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 24 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 771 exceeds guidelines 760 |
| 304633863 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65.24 is less than the max of 85.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Over 9+ years in subject property. |
| 304636966 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 62.06 is 17.94 points below the guideline program minimum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 31.73% is 13.27 points below the guideline program minimum. |
| 304636965 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 58.94 is 21.06 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x54 exceeds mortgage history guidelines. |
| 304633862 | XXXXXX | XXXXXX | KS | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance due to Title Examination fee $100 added to revised CD 12/11/24 section B. COC issued 12/10 lists fee amount but does not give sufficient details as to why fee was added. Cure provided on final CD of $15.50 prior to close insufficient to satisfy. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting total lenders cure, LOX, Refund of $100 w/ Proof of Delivery. | 01/10/2025 Client provided COC 12/10 reflecting Title curative work to release lien found on the property report resulting in a Title examination fee of $100.00. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.64% LTV below guideline requirements of 70.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.72% DTI is below guideline requirement of 45.00%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304633861 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property .21 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 65.61% below guideline requirements 75.00%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.05% below guideline requirement 45.00%. |
| 304633860 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD XXX days prior to consummation date of XXX | 01/15/2026 Client provided XXX for both reflecting CD 12/6 was sent and approved on 12/6. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 37.3 years current residence time<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 14.7 years current job time<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 24% revolving credit line utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 39 mos. mtg. payment history exceeds min. guideline requirement of 12 mos. |
| 304633860 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Title | Satisfied D | CRDTIL796 | Missing Title | No | Missing Property Report/Title | 1.15.2025 Client provided Title Property Summary Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 37.3 years current residence time<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 14.7 years current job time<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 24% revolving credit line utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 39 mos. mtg. payment history exceeds min. guideline requirement of 12 mos. |
| 304633858 | XXXXXX | XXXXXX | NH | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | Missing condo questionnaire to determine eligibility for condo. | 1.28.2025 Client provided Detached unit - Waiver of Project Review approved, FNMA/FHLMC Classification. Project was approved Detached waiver. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 682 exceeds guide lines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 61.71% is below lender's guide line maximum of 75%. |
| 304633857 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been in the same residence for 21 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max allowed CLTV is 80% and the borrower has a CLTV of 19.467%. |
| 304435770 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property >7 yeras.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 4093% below guideline requirement 45.00%. |
| 304633856 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 62.06% is below maximum allowed of 75%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.76% is below maximum allowed of 45%. |
| 304633855 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property for 22 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 40.99%, below guideline requirements 80.00%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.37 %, below guideline requirement |
| 304633854 | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 01/15/2025 Client provided missing H CSPA; Home Mortgage Information Document disclosure dated 10/09. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5.3 years current job time.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 5.00% revolving credit line utilization. |
| 304435766 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Title | Satisfied D | CRDTIL796 | Missing Title | No | Missing Title | 10.8.2024 Client provided Title Property Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage Payment history of 0 X 30 over 61 months exceeds 12 month requirement<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 6 Years |
| 304435765 | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) C | Credit | Income/Employment | Satisfied | CRDINC2488 | Verbal verification of employment missing | No | Missing verbal verification of employment for Borrower 2 for XXX that will be dated within 10 days prior to the Note date. | 10/16/2024 client provided a VVOE for B2 dated within 10 days of Note date. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 714 > is above guideline minimum credit score.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x57 exceeds mortgage history guidelines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 25 years. |
| 304435764 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 22 years and 1 month<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.39% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 761 is 101 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.02% DTI is below guideline requirement of 45.00%. |
| 304633853 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 28 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 30 years in profession.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 16%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6 years 10 months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 740 is 80 points above the 660 FICO required for the program.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 41.03% is 43.97% below the 85% CLTV allowed for the program. |
| 304435763 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer for 10 years and 11 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.28% DTI is below guideline maximum of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60.78% CLTV is below guideline maximum of 75%. |
| 304435762 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 66% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 41 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14.83 years |
| 304633852 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower been at current residence for 7 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 28 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current job for 24 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 58.58% max per guidelines is 85%. |
| 304636963 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned the subject property for 18 years 8 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been with current employer since 8/22/1994.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.17% CLTV is 6.83% below the maximum allowable CLTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 698 is 38 points above the minimum required score of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.03% DTI is below the maximum allowed DTI of 45%. |
| 304633850 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D | CRDINC2408 | Income verification does not meet guidelines | No | File contains unsigned 1040s and 1120s (Borrower XXX). In lieu of a signature, personal tax transcripts and business tax transcripts for the corresponding year (s) may be provided. | 1.8.2025 Client provided copy of 2023/2022 1040's along with Transcripts for 2023/2022 1040's however still missing either business tax transcripts or signed 2023/2022 1120S 1.10.2025 Client provided a copy of the business 1120s returns however we are missing the signatures and date from borrower for these 2023/2022 1120s business returns. Condition remains for signatures and dated by borrowers, 1120S business returns.1.27.2025 Client provided 2023/2022 signed post close dated 1120S for XXX business | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9.6 years current job time<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 9.6 years in same line of work/profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: all accts. are paid as agreed. No collections, judgements, BK. |
| 304435760 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 6 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.14% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 729 is 69 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 41+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304636962 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 717 exceeds guide lines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 31.92 is below lender's guide lines maximum of 80%. |
| 304435757 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property for 10 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 13 years. |
| 304633847 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document missing in file | 01/22/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 12/06. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 21 years, 10 months at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years, 10 months at current residence. |
| 304435756 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | FEMA | Satisfied | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No subsequent property inspection completed after the FEMA Disaster Declaration 4830 - XXX - date of declaration date 9/30/24. | 10/09/2024 client provided post disaster inspection reflecting no damage. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x40 exceeds mortgage history guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 713 > is above guideline minimum credit score.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 38.43% is 6.57 points below the guideline program minimum. |
| 304636961 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Credit/Mtg History | Satisfied B | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | File is missing documentation verifying amount of monthly HOA dues. Used $81.66 from 1008 for recalculations. | 1/30 Client provided AVM showing $81.66 HOA | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since 11/20/1997.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.50% DTI is below the maximum allowed DTI of 45%. |
| 304435754 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Closing date 09/20/24. Initial CD date issued 09/17/24. No Confirmation of Receipt of Initial CD and no evidence in file for both title holders receiving initial CD w/ proof of delivery min 3 days prior to consummation. | 10/09/2024 Client provided XXX for both reflecting CD was sent and viewed on 9/17. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.21 DTI below guideline of 45. |
| 304435754 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Terms/Guidelines | Waived B | CRDTER4631 | Loan parameters do not meet guidelines | No | Per appraisal, subject was listed for sale from XXX to XXX. Properties listed for sale within six months of the application date are ineligible per guidelines. Application date 8/21/2024. | 10/23/2024 - Client provided LOE from the borrower dated 10/23/2024 stating they were going to sell but husband had a change of heart and they took the subject property off the market. | Upon further review by Senior underwriter, exception is deemed non-material. Verified subject property is still off the market as of 10/23/2024 and was removed prior to closing subject transaction. Final Grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.21 DTI below guideline of 45. |
| 304636960 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Missing Initial LE 12/13/2024. Only Revised LE 12/16/2024, LE 12/17/2024, LE 12/31/2024 were in file. | 01/31/2025 Client provided missing LE 12/13. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 73.11 is 6.89 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x90 exceeds mortgage history guidelines. |
| 304633846 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The 66% CLTV is 19% below the maximum guideline requirement of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The 720 credit score exceeds the 680 guideline minimum credit score by 40 points. |
| 304633845 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.93% below guideline requirement<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.56% CLTV below guideline requirements. Max CLTV 80.00%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 26 years 10 months |
| 304636959 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.21% LTV below guideline requirements of 85.00% per program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 26 years and 6 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 16 years and 10 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 753 is 93 points above program guideline minimum of 660. |
| 304435753 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing Home Mortgage Information Document. | 10/08/2024 Client provided missing OH CSPA; Home Mortgage Information Document with Acknowledgment of disclosure on 8/6. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 21% is 24% below the max allowed DTI of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 56% is 24% below the max LTV of 80% allowed per the program guidelines. |
| 304435753 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | $129.95 zero tolerance due to increase in Condo cert without a valid CoC. Requires CoC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 10/15/2024 Client provided COC 8/14 reflecting Property identified as a condo and required Condo docs ordered on 8/14. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 21% is 24% below the max allowed DTI of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 56% is 24% below the max LTV of 80% allowed per the program guidelines. |
| 304435752 | XXXXXX | XXXXXX | IL | QM: Safe Harbor | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken 9/3/24, the initial LE was not issued until 9/10/24. Greater than the required 3 days | 10/14/24 Client provided initial LE 9/3/24. Disclosure was tested with no issues. Condition satisfied | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job with 20.3 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower 1 has significant time in profession with 19.6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines at 800 with a minimum credit score of 700. |
| 304633843 | XXXXXX | XXXXXX | CT | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 75%. Loan LTV is 70.87%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 696. |
| 304633841 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied B | CMPSTCP1307 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not dated | No | Missing RI Home Loan Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan). | 01/29/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 12/20. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job for 18.11 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower at current job for 21.2 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max allowed DTI is 50% and the borrowers have a 22.97% DTI. |
| 304633841 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied B | CMPSTCP1319 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not dated | No | Missing RI Home Loan Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost). | 01/29/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 12/20. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job for 18.11 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower at current job for 21.2 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max allowed DTI is 50% and the borrowers have a 22.97% DTI. |
| 304633841 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied D | CMPSTCP1297 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | No | Missing RI Home Loan Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan). | 01/29/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) dated 12/20. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job for 18.11 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower at current job for 21.2 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max allowed DTI is 50% and the borrowers have a 22.97% DTI. |
| 304633841 | XXXXXX | XXXXXX | RI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied D | CMPSTCP1309 | RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | No | Missing RI Home Loan Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost). | 01/29/2025 Client provided missing RI Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) dated 12/20. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job for 18.11 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower at current job for 21.2 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max allowed DTI is 50% and the borrowers have a 22.97% DTI. |
| 304435750 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing XXX in file to verify lender's ATR/QM status determination | 10.9.2024 Client provided updated XXX w/QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 16 years and 5 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 40 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.71% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 766 is 106 points above program guideline minimum of 660. |
| 304636957 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 01/30/25 Client provided an approved exception for missing T.42 Endorsement | Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 20.2 years current job time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 42 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: CB has 20.3 years in same line of work/profession |
| 304636957 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 01/30/25 Client provided an approved exception for missing T.42.1 Endorsement | Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 20.2 years current job time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 42 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: CB has 20.3 years in same line of work/profession |
| 304633840 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 691 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.02 DTI below guideline of 45. |
| 304633839 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/16/2025 Client provided XXX for each reflecting CD 12/20 was sent and completed on 12/20. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 786 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 56.51% 33.49 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x52 exceeds mortgage history guidelines. |
| 304633838 | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job for 32.3 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max allowed CLTV is 80% and the borrower has a 74.978% CLTV. |
| 304435748 | XXXXXX | XXXXXX | VA | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been with the employer for 17 years 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The middle credit score is 714 and guidelines allow the credit score to be 700<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B: XXX from XXX = $359.42; however, this income was not used to qualify for the mortgage.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The mortgage payment history is 0x30 in 44 months and guidelines require 0x30 in 24 months. |
| 304633837 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower been at current residence for 18 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current job for 9 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 34.84% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 35.02% max per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 758 max per guidelines is 720. |
| 304633836 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers' have resided at current residence for 6.30 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 is a XXX for 18.50 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The CLTV of 68.80% is 6.20% < maximum CLTV of 75.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers' have positive mortgage history of 15/47 months @ 0 x 30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers median credit score of 681 is 21 more points than minimum required score of 660. |
| 304633835 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x33 exceeds mortgage history guidelines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 13 years. |
| 304435746 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Property Valuations | FEMA | Satisfied | PRVAFEMA221 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual) | No | Natural disaster area declared on 9/30/24 with effective date 12/31/2099 for XXX. | Property inspection report dated 10/16/24 indicates no apparent damage. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 770 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 8 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.87% is below lender's guide line maximum of 45%. |
| 304633833 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/17/2025 Client provided a XXX reflecting Non-Borrower was sent and viewed CD 12/09. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 784 exceeds guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.52% is below lender's guide line maximum of 45%. |
| 304633831 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/14/2025 Client provided a XXX for the Non-Borrower reflecting cd Sent on 12/13 and Completed on 12/14. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 19% revolving credit line utilization<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16 years current residence time<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 29 years in same line of work/profession |
| 304435745 | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 10/16/2024 Client provided an Initial Closing Disclosure tracking reflecting the Initial CD was also sent via XXX on 9/23. Mail rule applies and allows for closing on or after 9/29. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower is a XXX for 31.10 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The CLTV of 56.18% is 13.82% < maximum CLTV of 70.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers median credit score of 720 is 60 more points than minimum required score of 660.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has positive mortgage history of 10/261 months @ 0 x 30. |
| 304435743 | XXXXXX | XXXXXX | SD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton status reflect QM status as Non-QM. Lender reflects QM Safe Harbor APOR. The test APR is 9.677%, the benchmark APR is 6.040 resulting in a difference of 3.637%, max difference allowed is 3.50%. Using benchmark date of 9/27/2024 for bona-fide discount points. | 10/23/2024 client provided a XXX reflecting status as Non-QM. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 11 Years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 24 Years |
| 304633830 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | TX Equity - Texas Equity : Missing T.42 Title Endorsement | Client acknowledged missing Texas endorsement | Clayton's grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 73.97 is less than max of 85.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by $1,837 a month. |
| 304633830 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | Client acknowledged missing Texas endorsement | Clayton's grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 73.97 is less than max of 85.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by $1,837 a month. |
| 304633830 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D B | Credit | Title | Satisfied D | CRDTIL796 | Missing Title | No | Provide property report/title | 1.22.2024 Client provided Title Property Summary Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 73.97 is less than max of 85.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by $1,837 a month. |
| 304633829 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 791 credit score exceeds the guideline minimum requirement of 660 by 131 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The 41% CLTV is 49% below the maximum guideline requirement of 90% |
| 304435742 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 10 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x44 exceeds mortgage history guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 38.28% is 6.72 points below the guideline program minimum. |
| 304633828 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 22 years at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 74.97% below guideline requirements 85.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property > 11 years. |
| 304633827 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 7.50 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has positive mortgage history of 11/40/35 months @ 0 x 30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers median credit score of 745 is 85 more points than minimum required score of 660. |
| 304633826 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | No evidence on Title or final cd in file of the T.42 Title Endorsement present. | 1/20/25 Client provided an approved exception for missing T.42 Endorsement. | Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.59% below guideline requirement<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 11 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current XXX, 6 years |
| 304633826 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | No evidence on Title or final cd in file of the T.42.1 Title Endorsement present. | 1/20/25 Client provided an approved exception for missing T.42.1 Endorsement. | Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.59% below guideline requirement<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 11 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current XXX, 6 years |
| 304633825 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/17/2025 Client provided XXX For Borrower and the 3rd Signer on the Mortgage. Condition remains for the 2nd signer on Mortgage in evidence of receipt of the Initial CD 12/16 minimum 3 days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing.01/17/2025 Client provided a disclosure history reflecting Docs were sent to the Non-Borrowers via XXX. 3 days for delivery and 3 days waiting period allows for closing on or after 12/22. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit paid 0x30 reporting up to 81 months. |
| 304435739 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 784 exceeds guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 24.97% is below lender's guide lines maximum of 45%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has stable employment with 23 years at current job. |
| 304633824 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 01/22/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 12/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 65% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 59 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 18.83 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 19.83 years |
| 304633823 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property for 20 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 22.69% below guideline requirement 45.00%. |
| 304633822 | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Maximum DTI allowed is 45%. Loan DTI is 32.34%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 700. Loan credit score is 717. |
| 304633821 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.12% is less than max of 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.32% is less than max of 45%. |
| 304636955 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 33.49% max per guidelines is 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower been at current residence for 10 years. |
| 304633820 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 61.78% max per guidelines is 75%. |
| 304636953 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 45.86 is less that the max of 90.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26+ years in current residence. |
| 304435737 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 9/17/24 3 days prior to consummation date of XXX | 10/14/24 Client provided confirmation initial CD 9/17/24 was emailed the same date and also mailed via XXX on 9/20/24. Condition satisfied | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower at current residence for 19 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower at current profession for 20.9 years. |
| 304435736 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 12 years 3 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max allowed DTI is 50% and the borrowers have a 38.836% DTI. |
| 304633819 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in the amount of $100.00 as Title Examination fee was added without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/24/2025 Client provided a COC 10/24 reflecting Updated Title to clear the UCC issue resulting in addition of Title Exam fee. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 32 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 772 exceeds guide lines. |
| 304633818 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Missing Final CD hand signed by the borrower at closing. | 01/13/2025 Client provided missing Final CD e-signed on 12/20/2024. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.27% is below lender's guide lines maximum of 45%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 40 years. |
| 304435733 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Compliance | RESPA | Satisfied B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | Application date 7/16/2024. Home Owners Counseling Organizations dated 7/31/2024. | 10/03/2024 Client provided the missing List of homeowners counseling organizations dated 7/16. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.15% LTV below guideline requirements of 80.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 1 month<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 17 years and 8 months. |
| 304435733 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | File contains a QM worksheet but the worksheet does not indicate a QM status. Clayton determination is Non QM due to exceeding the Fees Test Threshold | 10.8.2024 Client provided Mavent w/Non QM status | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.15% LTV below guideline requirements of 80.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 1 month<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 17 years and 8 months. |
| 304636952 | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 37.81 is less that the max of 75.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Currently has 29+ years in profession. |
| 304636951 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 28 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 15 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48.38% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 744 is 84 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 90+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304636950 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied D | CMPSTCP2057 | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | 01/31/2025 Client provided missing Illinois Pred Lend Database - No Cert of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.93 is less than max of 85.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 26.36 is less than the max of 45. |
| 304633815 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 69.30% is 15.70 points below the guideline program minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 5 years. |
| 304633813 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | A Title Exam fee was added to the Initial CD dated 12/13/2024 and paid to the affiliate with no COC in file. Need evidence of change of circumstance letter or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 01/24/2025 Client provided COC 12/10 reflecting Title update due to Clear/Terminate the UCC found on Property Summary report with resulting Title exam fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 758 exceeds guide lines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 32.91% is below lender's guide line maximum of 80%. |
| 304435730 | XXXXXX | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 74% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 89 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 30.08 years |
| 304633812 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing evidence in file both title holder have received initial CD 12/12/2024 min 3 days prior to closing. | 01/06/2025 Client provided evidence that Borrower and LO completed Initial CD. Condition remains. Provide evidence for Co-Borrower's receipt of Initial CD. 01/09/2025 Client provided XXX for Non-Borrower reflecting CD Completed on 12/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.50 DTI below guideline of 45. |
| 304435728 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Satisfied B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of Homeownership Counseling Organization is missing from file. | 10/07/2024 Client provided a missing List of homeowners counseling organizations dated 8/14. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job with 13.1 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines with no late payments for the past 36 months or more. |
| 304636949 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 6 years and 7 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.81% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 767 is 118 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304636948 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP4383 | MI Home Loan - No Evidence that Michigan Home Loan Toolkit was delivered to the borrower | No | The file does not contain a copy of the Michigan Home Loan Toolkit. | 01/31/2025 Client provided Initial Disclosure acknowledging Tool kit 12/14. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 61.91% below guideline requirements 80.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property > 25 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 41.69% below guideline requirement 45.00% |
| 304633809 | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 70.90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 734 |
| 304633808 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 675 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.90 DTI below guideline of 45. |
| 304633808 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 675 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.90 DTI below guideline of 45. |
| 304435727 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 26.92 DTI below guideline of 45. |
| 304435725 | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D | CRDINC3204 | Income Documentation Missing | No | 2023 and 2022 1040s to be signed and dated | 10.22.2024 Client provided 2023/2022 1040 Transcripts dated prior to closing | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 31.56% below 75% max<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26+ years |
| 304633806 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD 12/19/24 was issued to non-borrowing spouse but file is missing confirmation of receipt min 3 days prior to closing. | 01/21/2025 Client provided XXX for both reflecting CD was sent and completed 12/19. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 24.2 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 12 + years. |
| 304435723 | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Title Notary Fee $50.00 paid to affiliate added to the CD without a valid reason, zero tolerance required for $50.00. Provide a letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 10/17/2024 Client provided COC 9/26 reflecting Notary fee due to Borrower stating the need for a witness. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.36 DTI below guideline of 45. |
| 304435723 | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | Property Valuations | Property | Waived B | PRVAPROP277 | Currently Listed for Sale | No | AVM shows subject property was listed from 3/24/2024 to 5/15/2024. Application date 8/26/2024. Properties listed for sale within six months of the application date are ineligible per guidelines. | 10/16/2024 client provided an approved exception for property being listed for sale within 6 months of application date. | Upon further review by Senior UW exception is deemed non-material. File contains evidence borrower moved back into the subject property 3 months prior to closing. Final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 FICO exceeds guideline of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 21.36 DTI below guideline of 45. |
| 304435722 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing Lenders ATR QM Status Determination | 10.9.2024 Client provided XXX w/QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.07% is below maximum allowed of 45%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 40.44% is below maximum allowed of 80% |
| 304435721 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 109 points higher than 700 minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 6.68% lower than 80% max |
| 304633805 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 27.38 is less than the max of 85.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned home for 35+ years. |
| 304633804 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 74 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 9.08 years |
| 304435719 | XXXXXX | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Fees exceed allowable threshold of 3.50% | 10/15/2024 client provided a XXX report reflecting Non-QM. | Condition satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 10 years. |
| 304633803 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 63.94 is less than max of 75.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In current residence 9 years. |
| 304435717 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender provided a QM worksheet but it did not indicate a QM status. Clayton determination is NON QM due to points and fees. | 10/15/2024 client provided a XXX reflecting Non-QM. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 53% is 17% below the max CLTV of 70% allowed per the program guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 11yrs which is 10yrs more than the required minimum. |
| 304435715 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D B | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 10/08/2024 Client requested Satisfy 2B as unable to provide proof Non-Borrower received. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 23 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.16% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 811 is 151points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.82% DTI is below guideline requirement of 45.00%. |
| 304636944 | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.78% is below lender's guide line maximum of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 57.28% is below lender's guide line maximum of 75%. |
| 304435714 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | RESPA | Satisfied B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | RESPA - List of homeowners counseling organizations is not in file. | 10/07/2024 Client provided missing List of homeowners counseling organizations dated 8/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV actual 61.87 less than max 75.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI actual 37.95 is less than 45 max. |
| 304435714 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Insurance | Satisfied D | CRDINSR848 | Missing Hazard Insurance | No | Provide insurance | 10.7.2024 Client provided HOI Policy for subject property | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV actual 61.87 less than max 75.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI actual 37.95 is less than 45 max. |
| 304435713 | XXXXXX | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 12 Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 12 Years in Current Profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments < 24 Months |
| 304633800 | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 17.10 years current job time<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 20% revolving credit line utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 24 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 22.53% is below max allowable per guidelines of 45% |
| 304435712 | XXXXXX | XXXXXX | WA | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Primary borrower has owned business for 8 years 4 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.14 below max 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 66.38 below max 80 |
| 304633799 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | Missing condo warrantable approval form from FNMA/ Freddie or Condo Project Manager (CPM) Project Eligibility Reviews Service. | 1.10.2025 Client provided LOX stating, The unit is a detached unit and therefore is eligible for a waiver of project review and provided copy of Association Questionnaire | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 43.59% is 36.41 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x33 exceeds mortgage history guidelines. |
| 304633798 | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 13 years and 8 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.99% LTV below guideline requirements of 75.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.27% DTI is below guideline requirement of 45.00%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304633797 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/22/2025 Client provided Disclosure history reflecting the CD was sent via XXX on 12/12. Mail rule applies with 3 days for delivery and 3 day waiting period allowing for the earliest closing date 12/19. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.63 is less than max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.71 is less than the max of 75. |
| 304636943 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.87 is less that the max of 75.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: On current job since 6/1/2001. |
| 304633796 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied D | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | XXX acct. #XXX. Missing proof HELOC acct. has been closed. | 1.28.2025 Client provided executed by borrower requesting closure of HELOC w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 21 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS2860: Good credit history<br> - Clayton Comments: deep credit file with all accts. paid as agreed. No collections, judgements, BK |
| 304435709 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 17 years and 3 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 6 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.84% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 779 is 119 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 38+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304636942 | XXXXXX | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | Credit | Legal Documents | Satisfied D | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that the XXX HELOC has been closed to future draws. | 1.31.2025 Client provided executed by borrower requesting closure of HELOC w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25.85 DTI below guideline of 45.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x40 mortgage payment history exceeds guideline of 0x30x12. |
| 304636941 | XXXXXX | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property for 9 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 59.99% below guideline requirements 75.00%. |
| 304633794 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 9 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The CLTV of 67.84% is 7.16% < maximum CLTV of 75.00%.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has positive mortgage history of 22/18/16 months @ 0 x 30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The back end DTI of 36.38% is 8.62% < maximum DTI of 45.00%. |
| 304636940 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 744 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.94 DTI below guideline of 45. |
| 304636939 | XXXXXX | XXXXXX | IA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 10 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property for 6 years. |
| 304435706 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 10/22/2024 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosure dated 7/25. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 13 points higher than 660 min<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 19.93% lower than 70% max |
| 304633793 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 18 years and 2 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 9 years and 7 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 54.80% LTV below guideline requirements of 90.00% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 29.17% DTI is below guideline requirement of 45.00%. |
| 304636937 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 51.03% below guideline requirements 85.00%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.97% below guideline requirement 45.00%. |
| 304435702 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 17 years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 19 years, 1 month at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 29.09% CLTV; 80% max allowed. |
| 304435701 | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no history of late payments<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV 80%, current CLTV 58%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower on job over 30 years |
| 304633792 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 36% CLTV is 49% below the guideline maximum of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The 757 credit score exceeds the guideline minimum credit score of 660 by 97 points. |
| 304435699 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied D | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing 1st lien mortgage information. | 10/16/2024 client provided 1st lien information. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property>20<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 726 exceeds guidelines 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 60.96% below guideline requirements 80% |
| 304435698 | XXXXXX | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton status reflect QM status as QM Rebuttable Presumption (APOR). Lender reflects QM Safe Harbor APOR. The test APR is 10.245%, the benchmark APR is 6.040 resulting in a difference of 4.205%, max difference allowed is 3.50% | 10/09/2024 client provided a XXX which shows QM: RP. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 36.26% max per guidelines is 45%. |
| 304636935 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is 10% below the maximum allowed CLTV of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 credit score exceeds the guideline minimum 680 credit score by 97 points. |
| 304633789 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 746 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment 9 years at current job. |
| 304636934 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property for 25 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 58.13% below guideline requirements 80.00% |
| 304633787 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 686 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 18 years at current job.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.89% is below lender's guide lines maximum of 45%. |
| 304633786 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 > 36 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: > 12 years at current job |
| 304633785 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 70% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 91 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 35% below guideline requirement of 45% |
| 304633784 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | RESPA | Satisfied B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 01/10/2025 Client provided missing List of homeowners counseling organizations dated 10/18. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 745 exceeds guidelines 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 45.32% below guideline requirements 85.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property > 7 years. |
| 304633784 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Terms/Guidelines | Satisfied | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing signed Form 4506 & Taxpayer consent form. | 1.9.2025 Client provided executed 4506C and executed taxpayer consent form | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 745 exceeds guidelines 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 45.32% below guideline requirements 85.00%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property > 7 years. |
| 304633783 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 11 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.65% LTV below guideline requirements of 75.00% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.20% DTI is below guideline requirement of 45.00%. |
| 304633782 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers in residence for 14.1 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max allowed CLTV is 80% and the borrowers have a 44.176% CLTV. |
| 304633781 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.74 DTI below guideline of 45. |
| 304633780 | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 Score exceeds program MIn<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current home<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 26 years B2 has 10 years in the same Profession |
| 304636931 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 304636930 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 28.06 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 47.18 is less that the max of 90. |
| 304633777 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | RESPA | Satisfied B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | 01/23/2025 Client provided missing List of homeowners counseling organizations dated 8/23. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 36% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 36 years |
| 304633777 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 01/23/2025 Client provided missing OH CSPA; Home Mortgage Information Document. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 36% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 36 years |
| 304633777 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | State Consumer Protection | Satisfied B | CMPSTCP118 | OH CSPA; Home Mortgage Information disclosure not timely | No | Triggered due to review of OH CSPA; Home Mortgage Information disclosure. Acknowledgements for OH CSPA; Home Mortgage Information disclosure are dated 10/16. Provide Acknowledgements dated by 8/26/2024. | 01/29/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 8/23. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 36% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 36 years |
| 304633777 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial application was taken 8/20/2024, the initial LE was not issued until 09/25/2024. Greater than the required 3 days | 01/23/2025 Client provided missing Initial LE 8/23. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 36% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 36 years |
| 304633776 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 20% revolving credit line utilization<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7 years current residence time |
| 304633775 | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $100 as Title Examination fee paid to Affiliate was added on LE 12/4/24 with no valid reasons documented on COC 12/4/24. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/21/2025 Client provided COC 12/04 reflecting Title update due to UCC to be cleared indicated on Property report resulting in Exam fee added. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.63% DTI. 45% maximum.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 7 years |
| 304636929 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 743 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 75.61 is 9.39 points below the guideline program minimum. |
| 304435681 | XXXXXX | XXXXXX | OH | QM: Safe Harbor | QM: Safe Harbor (APOR) C | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH Home Mortgage Information Document. | 10/16/2024 OH CSPA; Home Mortgage Information Document with acknowledgement disclosure dated 9/18. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been with the employer for 9 years 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 68.28% and guidelines allow the HCLTV to be 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The minimum credit score is 690 and guidelines allow the credit score to be 680. |
| 304435681 | XXXXXX | XXXXXX | OH | QM: Safe Harbor | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXXProvide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. | 10/16/2024 Client provided XXX for both reflecting CD sent and viewed 9/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been with the employer for 9 years 3 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 68.28% and guidelines allow the HCLTV to be 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The minimum credit score is 690 and guidelines allow the credit score to be 680. |
| 304633773 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance due to Title update fee $30 added to revised LE 06/26/24. No COC listing fee amount or additional details as to why fee was added. No cure provided on borrower final CD prior to close. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $30 w/ Proof of Delivery. | 01/14/2025 Client provided COC 6/25 reflecting Lock extension and the Property Summary Report to expire prior to Closing/Disbursement, Title update fee required to address the issue. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 38.37% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 33 years |
| 304633772 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Satisfied B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | 01/15/2025 Client provided missing List of homeowners counseling organizations dated 10/30. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned current residence 17+ years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 38.50 is less than max of 75. |
| 304633772 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH Home Mortgage Information Document. | 01/14/2024 Client provided the missing Home Mortgage Information Document disclosure dated 11/1. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned current residence 17+ years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 38.50 is less than max of 75. |
| 304633771 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/17/2025 Client provided XXX for both reflecting CD sent and Completed on 12/24. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 63.72 is less than 75.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.61 is less than 45. |
| 304633770 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-Borrower has been in the same line of work for 7 Years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 67.60% is below maximum allowed of 75% |
| 304633769 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 799 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 10 years at current job. |
| 304636926 | XXXXXX | XXXXXX | WV | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.46 DTI below guideline of 45.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x62 mortgage payment history exceeds guideline of 0x30x12. |
| 304435675 | XXXXXX | XXXXXX | WA | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 800 exceeds guidelines 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.91% below guideline requirement 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 49.68% below guideline requirements 80.00%. |
| 304633766 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 18 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 735 exceeds guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.61% is below lender's guide lines maximum of 45%. |
| 304435674 | XXXXXX | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Property Valuations | FEMA | Satisfied | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | Condition Triggered 10.8.2024 Client provided Post Disaster Inspection dated 9.27.2024 with no damage along with exterior photos however Effective date of XXX was 9.30.2024; Provide inspection dated after 9.30.2024 | 10/14/2024 client provided a post disaster inspection dated 10/08/2024. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 16 years and 11 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 7 years and 11 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 729 is 29 points above program guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 52 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304435674 | XXXXXX | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Property Valuations | FEMA | Satisfied | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | FEMA Disaster Declarations on 09/24/2024 and effective from 08/20/2024 due to XXX in the Area. Provide post-disaster interior and exterior property inspection report. May be subject to additional conditions upon review. | 10.8.2024 Client provided Post Disaster Inspection dated 9.27.2024 with no damage along with exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 16 years and 11 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 7 years and 11 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 729 is 29 points above program guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 52 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304633765 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 304633764 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 695 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22.19 DTI below guideline of 45. |
| 304435672 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 30 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years. |
| 304435670 | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.65 DTI below guideline of 45. |
| 304636924 | XXXXXX | XXXXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 11/26/2024 Client provided XXX for both reflecting CD sent 11/7, signed by Borrower 11/7 and viewed by Non-Borrower 11/8. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 7 years and 9 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.90% DTI is below guideline requirement of 45.00%. |
| 304633762 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Closing date XXX. Initial CD not provided. Condition pending receipt initial CD w/ proof of delivery at least 3 days prior to consummation. | 01/10/2025 Client provided Disclosure History reflecting a CD sent originally on 11/26, no verification of receipt. CD sent again via XXX on 12/2. Provide the Initial CD dated 11/26 as it is missing from the file. Additional Conditions may apply. 01/13/2025 Client provided missing Initial CD 11/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 740 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 10 years 6 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current XXX, 11 years |
| 304633762 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Income/Employment | Satisfied B | CRDINC2408 | Income verification does not meet guidelines | No | XXX Borrower 1. File have 2023/2022 1120S business returns however not signed/dated. Provide signed dated 1120S 2023/20222. Regarding 1120S line #5 Other Income, reflected on both years however not reflected on YTD October 2024 P/L and was not considered in income calculation, missing LOX from borrower stating if this is ongoing other income. | 1.13.2025 Client provided pg 1 of 1120S 2023/2022 signed and (post close dated) with file having 1040 transcripts. Condition remains for signed LOX from borrower regarding 1120S line #5 other income as being ongoing/continuing income, was not considered in income calculation. 1.15.2025 Client provided LOX stating YTD P/L do reflect other income. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 740 exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 10 years 6 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current XXX, 11 years |
| 304633761 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 59.54% max per guidelines is 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 38.92% max per guidelines is 45%. |
| 304633760 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x44 exceeds mortgage history guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 713 > is above guideline minimum credit score. |
| 304633760 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x44 exceeds mortgage history guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 713 > is above guideline minimum credit score. |
| 304633760 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Need evidence of change of circumstances letter for Ten Percent tolerance. Recording Fee initial CD $207.00 increased to $307.00 on Final CD. Total difference $61.70. Missing a valid Change of Circumstance, a Post Close CD, LOX and a refund check to borrower. | 01/28/2025 Client provided PCCD 1/27 with Principal Reduction, LOE and copy of loan transaction history reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x44 exceeds mortgage history guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 713 > is above guideline minimum credit score. |
| 304633759 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21.1 years current residence time<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 20 years current job time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 53 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. |
| 304636923 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 33.11% is less than the max of 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned subject 8+ years. |
| 304633755 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property for 31 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 35.14%, below guideline requirements 85.00% |
| 304435665 | XXXXXX | XXXXXX | MD | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 19 points above 680 FICO<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 29.29% lower than 75% max |
| 304636920 | XXXXXX | XXXXXX | LA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 729 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 8 years at current job. |
| 304435664 | XXXXXX | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor (APOR) B | Compliance | RESPA | Satisfied B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing required Affiliate Business Disclosure | 10/21/2024 Client provided missing RESPA: Required Affiliate Business Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 24 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.65% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 14 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 8 years |
| 304633754 | XXXXXX | XXXXXX | MN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 14 years |
| 304633753 | XXXXXX | XXXXXX | IA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.17% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 799 is 139 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 40+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304633752 | XXXXXX | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 15 years and 1 month<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304633751 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 60% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 35.64% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 7.25 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 37 years |
| 304633749 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Missing final signed CD acknowledged by borrower at closing. | 01/02/2025 Client provided the missing Final CD 1/2 e-signed on 1/2. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.10 is less that the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 58.63 is less than the max of 85. |
| 304633749 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Right of Rescission | Satisfied | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Missing final CD, unable to determine if disbursement date is before the end of the statutory rescission period. | 01/02/2025 Client provided the missing Final CD 1/2 e-signed on 1/2. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.10 is less that the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 58.63 is less than the max of 85. |
| 304633746 | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 18 years and 7 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.22% LTV below guideline requirements of 75.00% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304636917 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 18 years and 5 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.04% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 708 is 48 points above program guideline minimum of 660. |
| 304435660 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 47.35% is 22.65 points below the guideline program minimum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 678 > is above guideline minimum credit score.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x34 exceeds mortgage history guidelines. |
| 304435659 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reduced outgo by $418 a month.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower with same employer since 11/10/2000. |
| 304435658 | XXXXXX | XXXXXX | IN | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit 746 Guidelines allow 660<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 12 Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 18 Years in Current Profession |
| 304435656 | XXXXXX | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.20% LTV below guideline requirements of 80.00% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 60+ months |
| 304633745 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is 41.40%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 700. Loan credit score is 754. |
| 304633743 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 31 mos. mtg. payment history exceeds min. guideline requirement of 12 mos.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 25% revolving credit line utilization |
| 304633742 | XXXXXX | XXXXXX | MS | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 12 years at current job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has > 10 years at current job |
| 304435653 | XXXXXX | XXXXXX | MA | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The credit score of 788 exceeds the minimum required credit score of 700 by 88 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The CLTV of 41%is 39% below the maximum allowed CLTV of 80%. |
| 304633741 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 qualifying score; 700 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.28% DTI; 45% max allowed. |
| 304435652 | XXXXXX | XXXXXX | WI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 22.35 well below guideline threshold of 45.00.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on current job for 11 years. |
| 304633739 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.74 DTI below guideline of 45. |
| 304636916 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3552 | TRID - Loan Estimate not timely | No | Earliest LE in file is dated 10/24/24. Missing initial LE disclosure to borrower within 3 days of application. | 02/05/2025 Client provided the complete LE 10/03. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 29 years current residence time<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: CB has 15.8 years in same line of work/profession |
| 304633737 | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 17 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 17 years and 2 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.43% LTV below guideline requirements of 75.00% per program. |
| 304435650 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 20 years and 8 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 724 is 24 points above program guideline minimum of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.98% DTI is below guideline requirement of 45.00%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304435647 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide documentation all titleholders received an accurate CD 3 business days prior to closing. | 10/16/24 Client provided the Initial CD tracking for all title holders that confirms receipt on 9/24. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.27 DTI below guideline of 45. |
| 304633734 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is 68.54%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 680. Loan credit score is 755. |
| 304633732 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/10/2025 Client provided a XXX reflecting CD was sent to and completed by the Non-Borrower on 12/06. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 17.3 years current job time.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 25 years in same line of work/profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9.2 years current residence time. |
| 304633731 | XXXXXX | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0X30 On mortgage<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Did not use commission income to qualify. |
| 304636914 | XXXXXX | XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27% DTI is 18% below the maximum guideline requirement of 45%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 34 month payment history exceeds the 12 month minimum guideline requirement by 22 months. |
| 304435646 | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV 80%, current CLTV 72%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower on job over 13 years<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower using less than 10% of available credit |
| 304435643 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 51% is 29% below the maximum allowed CLTV of 80% per the program guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The qualifying credit score of 750 exceeds the minimum required credit score of 700 by 50 points. |
| 304435642 | XXXXXX | XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 21 years and 1 month<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 15 years and 9 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304633728 | XXXXXX | XXXXXX | MD | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.95% is less than max of 45%.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Reducing outgo by approximately $597 a month. |
| 304633727 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/10/2025 Client provided XXX for both reflecting the CD Was sent and viewed 12/5. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24.3 years current residence time<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 18.3 years current job time<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 25.3 years in same line of work/profession |
| 304633726 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 38.1 years current residence time<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3.00% revolving credit line utilization |
| 304636913 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Credit/Mtg History | Satisfied B | CRDCRMH104 | Credit score below guidelines | No | B1 credit report has only one FICO score 768 (exp), guidelines require minimum 2 scores. | 2.4.2025 Client provided copy of Credit report for B1 dated 12.6.2024 with 3 fico scores | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 74.68% below guideline requirements 85.00%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.69% below guideline requirement 45.00%. |
| 304435630 | XXXXXX | XXXXXX | GA | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 30% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 85 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 25.55% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 24.92 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 31 years |
| 304636911 | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.74% below guideline requirement 45.00%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 55.77% below guideline requirements 90.00%. |
| 304633723 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x53 exceeds mortgage history guidelines. |
| 304633722 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 64% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years |
| 304633721 | XXXXXX | XXXXXX | VA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x31 exceeds mortgage history guidelines. |
| 304633720 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59% CLTV is 16% below the guideline minimum requirement of 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 46 month mortgage payment history exceeds the guideline minimum requirement of 12 months 34 months. |
| 304633720 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59% CLTV is 16% below the guideline minimum requirement of 75%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 46 month mortgage payment history exceeds the guideline minimum requirement of 12 months 34 months. |
| 304435625 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender provided a QM worksheet, but it did not indicate a QM status. Clayton determination is Rebuttable due to points and fees | 10.4.2024 Client provided XXX w/QM Rebuttable Presumption | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 19 Years<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage Payment history 0 X 30 over 31 Months |
| 304348554 | XXXXXX | XXXXXX | FL | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.05% LTV below guideline requirements of 80% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 779 is 19 points above program guideline minimum of 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 54 months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |
| 304636910 | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 788 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment 6 years at current job. |
| 304633717 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned the subject property for 43 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.62% CLTV is 18.38% below the maximum allowable CLTV of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 747 is 87 points above the minimum required score of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.64% DTI is below the maximum allowed DTI of 45%. |
| 304633716 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.98 DTI below guideline of 45. |
| 304435624 | XXXXXX | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 33 Years at Current Residence<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has Good credit history with 0 Late Payments < 12 Months<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments < 24 Months |
| 304636909 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 FICO exceeds guideline of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x59 mortgage payment history exceeds guideline of 0x30x12. |
| 304633714 | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 65% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 51 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.52% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 6 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 17 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of28.5 years |
| 304435621 | XXXXXX | XXXXXX | MN | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 10 years and 5 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 15 years and 1 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.70% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 756 is 96 points above program guideline minimum of 660. |
| 304435618 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Property Valuations | FEMA | Satisfied B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Provide disaster inspection for Hurricane declaration #XXXX date of X/XX/XXXX; Effective date 8/27/2024. | 10/11/2024 client provided a post disaster inspection. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI actual 29.28 is below max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV actual of 54.71 is less than 80%. |
| 304633713 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 01/15/25 Client provided the OH Home Mortgage Info Document and Acknowledgment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is 78.58%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 747. |
| 304633712 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied D | CMPSTCP2057 | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file, please provide. | 01/24/2025 Client provided the missing Illinois Pred - Cert of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.48 DTI below guideline of 45. |
| 304633712 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Insurance | Satisfied | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance effective date of 1/25/2025 is greater than the transaction date of XXX. | 1.22.2025 Client provided prior HOI policy | Condition satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.48 DTI below guideline of 45. |
| 304633712 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied D | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that the XXX HELOC has been closed to future draws. | 1.22.2025 Client provided executed by borrowers requesting closure of HELOC w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.48 DTI below guideline of 45. |
| 304435615 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 10 years and 1 month<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 764 is 64 points above program guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304636908 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH Home Mortgage Information Document. | 02/05/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 12/13. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The 28% DTI is 17% below the maximum allowed guideline requirement of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The 702 credit score exceeds the guideline minimum credit score of 660 by 42 points. |
| 304633711 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property > 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 60.09% below guideline requirements 85.00%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 27.32% below guideline requirement 45.00%. |
| 304435614 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 37%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history |
| 304435613 | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 80%. Loan LTV is 57.37%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Maximum DTI allowed is 45%. Loan DTI is 38%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 680. Loan credit score is 782. |
| 304435612 | XXXXXX | XXXXXX | GA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Property Valuations | FEMA | Satisfied | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Provide disaster inspection for XXX declaration #XXXX date of X/XX/XX; Effective date 12/31/2099. | 10.9.2024 Client provided Post Disaster Inspection dated 10.6.2024 with no damage along with exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.21% DTI is below guideline requirement of 45.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 738 is 38 points above program guideline minimum of 700. |
| 304633707 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 712 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 41.27 DTI below guideline of 45. |
| 304633705 | XXXXXX | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 31+ years on current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.09% is less than the max of 75%. |
| 304636907 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.16%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 at current employment 12 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co Borrower at current employment 13 years |
| 304633703 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | Compliance Manual | Satisfied D B | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/16/2025 Client provided a collaborate comment Unable to provide documentation for Non-borrowing spouse received CD 3 days prior. Please satisfy with final grade B. (Non-borrowing spouse did not open the document, which was electronically sent.) | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 14.10 years current job time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 33 mos. mtg. payment history exceeds min. guideline requirement of 12 mos.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 28% revolving credit line utilization |
| 304633703 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Credit/Mtg History | Satisfied B | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing proof of no HOA dues for subject. Located in detached PUD | 1.16.2025 Client provided LOX stating to see attached XXX reflecting no HOA. Response, due to DTI not being tight will accept, otherwise will require and LOX from borrower stating no monthly HOA due to being in a PUD. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 14.10 years current job time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 33 mos. mtg. payment history exceeds min. guideline requirement of 12 mos.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 28% revolving credit line utilization |
| 304633701 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 35% below guideline requirements of 70%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.12% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 12.5 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 8 years |
| 304435610 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 11 years and 2 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years and 5 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.87% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 760 is 100 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.21% DTI is below guideline requirement of 45.00%. |
| 304633700 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 credit score exceeds the minimum guideline credit score requirement of 700 by 31 points.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 43 month mortgage history exceeds the guideline minimum 12 month mortgage history by 31 months. |
| 304435609 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide documentation both borrower and non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 10/08/2024 Client provided XXX for both reflecting CD was send to both on 9/16, signed by Borrower on 9/16 and viewed by Non-Borrower on 9/17. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.98% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 791 is 131 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 47+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304636906 | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 25 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: all monthly debt. paid at close |
| 304633699 | XXXXXX | XXXXXX | NM | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing proof of no HOA dues for property located at: XXX | 1.27.2025 Client provided XXX of property: XXX. reflecting no monthly HOA | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20.0 years current residence time<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 19% revolving credit line utilization<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 26.1 years in same line of work/profession |
| 304636905 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower been at current residence for 25 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current job for 25 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 8 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 37.52% max per guidelines is 45%. |
| 304636903 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 66.84% below guideline requirements 85.00%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.84% below guideline requirement 45.00%.t<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 30 years at current job |
| 304435605 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 10/14/24 Client provided XXX tracking for both title holders receiving initial CD on 9/17/24. Condition satisfied | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 5 years and 2 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years and 1 month<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.66% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 762 is 102 points above program guideline minimum of 660. |
| 304633698 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 10.4 years current job time<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 31% revolving credit line utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 31 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. |
| 304435604 | XXXXXX | XXXXXX | NY | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the subject property for 22 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been with the employer for 32 years 11 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 71.53% and guidelines allow the HCLTV to be 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The middle Credit Score is 754 and guidelines allow the credit score to be 700. |
| 304633696 | XXXXXX | XXXXXX | HI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 24 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 31.44% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 746 is 86 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.08% DTI is below guideline requirement of 45.00%. |
| 304633695 | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 FICO exceeds guideline of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.19% DTI below guideline of 45%. |
| 304633693 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 70% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 25 years |
| 304435603 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 15 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 17 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 761 is well above the guideline threshold of 700. |
| 304633692 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.18% below guideline requirement<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 14 years 1 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 745 exceeds guidelines<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Additional documented income (B2 income) not used in qualifying |
| 304435602 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.34 DTI below guideline of 45. |
| 304633690 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | RESPA | Satisfied B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application. | 01/10/2025 Client provided the missing List of homeowners counseling organizations dated 11/15. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has >10 years time at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 67.67% below guideline requirements 75.00%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.11% below guideline requirement 45.00%. |
| 304633690 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3552 | TRID - Loan Estimate not timely | No | Application date 11/12/24. Earliest LE provided dated 11/18/24 w/ COC form issued 11/15/24 indicating prior numerical changes. Missing initial LE. | 01/10/2025 Client provided the missing Initial LE 11/15. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has >10 years time at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 67.67% below guideline requirements 75.00%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.11% below guideline requirement 45.00%. |
| 304435599 | XXXXXX | XXXXXX | NM | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 744 > is above guideline minimum credit score.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 34.88% is 10.12 points below the guideline program minimum. |
| 304633689 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 672 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 59.92% is 15.08 points below the guideline program minimum. |
| 304633688 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 7 Years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 22.47% is below maximum allowed of 45% |
| 304633687 | XXXXXX | XXXXXX | VT | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 8.3 years current job time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 30 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 7.00% revolving credit line utilization |
| 304636901 | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.97 is less than the max of 45.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Owned residence 28 years. |
| 304633684 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing proof of no HOA dues for property located at:XXX | 1.29.2025 Client provided XXX for XXX reflecting no monthly HOA | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years current residence time<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 17.8 yrs. current job time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 50 mos. mtg. payment history exceeds min. guideline requirement of 12 mos. |
| 304633683 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.66 DTI below guideline of 45. |
| 304633682 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 17 years and 2 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 46.14% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 763 is 103 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.25% DTI is below guideline requirement of 45.00%. |
| 304636900 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 53.28% LTV below guideline requirements of 90.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 763 is 103 points above program guideline minimum of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 for 30+ months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304633681 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.43 DTI below guideline of 45. |
| 304435595 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing Lender's ATR determination.Lender provided a QM worksheet but it did not indicate a QM status. Clayton determination is NON QM due to points and fees. | 10/15/2024 client provided XXX reflecting status is Non-QM. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 20 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 741 is 41 points above program guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304633680 | XXXXXX | XXXXXX | MI | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing | 01/13/2025 Client provided XXX for both reflecting CD sent and viewed on 12/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 75%. Loan LTV is 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 677. |
| 304633678 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 13 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 807 exceeds guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.65% is below lender's guide line maximum of 45%. |
| 304633677 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 738 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 11 years at current job. |
| 304435593 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide documentation both borrower and non-borrowing spouse received an accurate Initial CD 9/19/24 3 business days prior to closing. | 10/14/24 Client provided only XXX tracking for a borrower e-signed on 9/27/24. Mailing rule applies for both title holders, CD received timely, condition satisfied | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 10 years and 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.43% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 771 is 111 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 33.85% DTI is below guideline requirement of 45.00%. |
| 304633676 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 32.67 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 68.56 is less than max of 80. |
| 304633675 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 28 Years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 63.38% is below maximum allowed of 70% |
| 304633674 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | Compliance | Texas Home Equity | Satisfied | CMPTXHE108 | TX Equity - Total fees greater than the allowable cap | No | Total fees greater than the allowable cap due to total adjusted charges of $XXXX.XX with loan amount of $XXXXX. Charges Margin to $XXXX.XX exceeding Threshold of $1500. | 01/24/2025 Client provided a screen print reflecting the Undisclosed rate. Entered and re-tested with no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 21 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years at current home |
| 304633674 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | TX Equity - Texas Equity : Missing T.42 Title Endorsement | 1/21/2025 client provided an approved exception for missing T.42 Title Endorsement. | Final grade B. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 21 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years at current home |
| 304633674 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | TX Equity - Texas Equity : Missing T.42 Title Endorsement | 1/21/2025 client provided an approved exception for missing T.42.1 Title Endorsement. | Final grade B. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 21 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years at current home |
| 304633672 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence fr 15.1 years. |
| 304636899 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 46.19% CLTV<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: At job since 2006<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 for 50 months |
| 304636898 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 15 years. |
| 304636897 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48% CLTV is 27% below the maximum allowed guideline requirement of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The 694 credit score exceeds the guideline minimum required credit score of 660 by 34 points. |
| 304435591 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50% and the borrower has a 38.469 DTI. |
| 304633671 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | RESPA | Satisfied B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations is dated 11/14/2024. Not provided to the borrower within 3 days of the 10/08/2024 application date. | 01/10/2025 Client provided missing List of homeowners counseling organizations dated 10/08. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.55 DTI below guideline of 45. |
| 304633671 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied D | CMPSTCP2057 | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | 01/10/2025 Client provided the missing Illinois Pred Lend Database - Cert of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 761 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.55 DTI below guideline of 45. |
| 304435588 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | FEMA | Satisfied | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | loan closed prior FEMa 10/11/2024 | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 737 is 77 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.39% DTI is below guideline requirement of 45.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 16 years and 10 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 13 years and 5 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 54.81% LTV below guideline requirements of 80.00% per program. |
| 304633670 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Credit | Title | Satisfied | CRDTIL796 | Missing Title | No | Provide copy of Title | 1.28.2025 Client provided Title Property Summary Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 58% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 65 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 38.56% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 24 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 18 years |
| 304636895 | XXXXXX | XXXXXX | DC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 767 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 19 years at current job. |
| 304633669 | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 13 years time at current residence |
| 304633668 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Borrower receives 3k monthly alimony. Per 1008 notes and bank statements, part of the 3k comes from Ex's XXX pension.2023 1099 for Ex in file does not equate to month Borrower receives; monthly direct deposits from XXX to Borrower documented in her banks statements, however, unable to tie the XXX direct deposits to Ex spouse to fully document the 3k monthly source as Alimony. Provide sufficient document tying the Direct deposit from XXX in Borrower's account, to Ex's XXX pension. May be subject to additional conditions upon review. | 1.23.2025 Client provided LOX stating, UW response: we have 12 months of receipt of the $3000. The ex spouse has chosen to pay the $3000 with a part of his VA military pension which we have the 2023 1099 showing his pension amount which more than supports the portion reflected in the bank statements and he pays the difference from his own checking which is also supported. We have tax transcripts showing alimony of $36,000 and evidence borrower doesn't receive pension income. Please advise what further is needed. Response, 12 months bank statements in file do support ach deposit of $X,XXX.XX XXX in which is the ex spouse deposit and the 12 months cover deposit from ex spouse account each month in the amount of $XXX.XX to cover the $XX that is owed to our borrower as monthly Alimony. Condition is being satisfied with explanation from Client regarding the transaction | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 763 qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.63% CLTV<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years at residence |
| 304636893 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 qualifying score; 700 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.63% DTI; 45% max allowed. |
| 304435584 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing lender's ATR/QM status determination. | 10.7.2024 Client provided XXX w/QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 27.70 DTI below guideline of 45. |
| 304633665 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D | CRDINC3204 | Income Documentation Missing | No | Missing signed 4506-C. | 1.22.2025 Client provided esigned by borrower 4506C | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.79 DTI below guideline of 45. |
| 304435583 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 17.04 is well below guideline threshold of 45.00.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 775 is well above guideline threshold of 700. |
| 304633662 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 credit score exceeds the guideline required credit score of 660 by 111 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The 57% CLTV is 33% below the maximum guideline requirement of 90%. |
| 304636892 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the subject property for 7 years 5 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48.23% CLTV is 41.77% below the maximum allowable CLTV of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 808 is 148 points above the minimum required score of 660. |
| 304435578 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide documentation all titleholders received an accurate CD 3 business days prior to closing. | 10/16/24 Client provided the Initial CD tracking for all title holders that confirms receipt on 9/19. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 FICO exceeds guideline of 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x25 mortgage payment history exceeds guideline of 0x30x12. |
| 304435578 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Credit | Credit/Mtg History | Satisfied | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing property tax bill for the subject property. Property taxes do not appear to be escrowed per the VOM. | 10.17.2024 Client provided duplicate (in file) tax bill for XXX. initial condition remains for subject property tax bill. 10.21.2024 Client provided subject tax bill supporting $783.44 mo. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 FICO exceeds guideline of 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x25 mortgage payment history exceeds guideline of 0x30x12. |
| 304435577 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 741 is well above guideline threshold of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 17 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 16 years. |
| 304633661 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied D | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing paid/close letter for XXX HELOC | 1.22.2025 Client provided executed by borrower requesting closure of HELOC with XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years current residence time<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 29% revolving credit line utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 64 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. |
| 304633660 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 39.27% below guideline requirements 90.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 795 exceeds guidelines 760.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.73% below guideline requirement 45.00%. |
| 304633659 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.91 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.22 is less than max of 75. |
| 304636891 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 16 years and 1 month<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.26% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 734 is 74 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.05% DTI is below guideline requirement of 45.00%. |
| 304633658 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers in current residence for 6.10 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 11.7 years. |
| 304633657 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 7 years at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.04% is below lender's guide lines maximum of 45%. |
| 304633656 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Insurance | Satisfied | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Per the final CD the disbursement date is XXX and the insurance effective date is 12/22/24. | 1.13.2025 Client provided LOX stating condition says cancel or clarify what is needed. Response, appear prior HOI policy is required, policy in file is dated 12.22.2024 with Note date XXX and Final CD disbursement date is 12.20.2024; condition remains for prior HOI policy 1.14.2025 Client provided subject prior HOI Policy | Condition satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 678 credit score exceeds the guideline minimum 660 credit score by 18 points.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been at current job for 10 years. |
| 304633655 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/10/2025 Client provided a XXX for Non-Borrower reflecting the CD was sent and Completed 11/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 710 credit score exceeds the guideline minimum credit score of 660 by 50 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The 48% CLTV is 32% the required guideline maximum of 80%. |
| 304633654 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 29% below guideline requirements of 75%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 81 months exceeds guidelines of 24 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5 years |
| 304435575 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 11 years and 6 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 7 years and 11 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 18 years and 8 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.71% LTV below guideline requirements of 75% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.04% DTI is below guideline requirement of 45.00%. |
| 304435573 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide documentation all titleholders received an accurate CD 3 business days prior to closing. | 10/17/2024 Client provided XXX for both reflecting CD sent and viewed on 9/25. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 18 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 7 years and 4 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.73% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 718 is 58 points above program guideline minimum of 660. |
| 304633650 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 67.40% below guideline requirements 85.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property for 30 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 39.77% below guideline requirement 45.00% |
| 304435572 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 751 exceeds the minimum credit score required of 700 by 51 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 59% is 21% below the maximum of 80% allowed per the program guidelines. |
| 304633649 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 56.98 is below the max of 90.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Per URLA borrower has been in subject for 54 years. |
| 304633647 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16.4 years current job time.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 19 years in same line of work/profession.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 9.00% revolving credit line utilization. |
| 304636888 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | CB does not meet min. tradeline requirement of Minimum 3 open tradelines, with at least 1 tradeline open for a minimum 24 months | 1/31 client provided an approved exception to allow the CoBorr credit without meeting the trade line requirements | Initial and final grade is B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12.11 years current residence time<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 13.10 years current job time<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: CB has 20.1 years in same line of work/profession |
| 304633646 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 21 Years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Co-Borrower has been in the same line of work for 20 Years |
| 304633645 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 62.98% is 22.02 points below the guideline program minimum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 743 > is above guideline minimum credit score. |
| 304633644 | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C | Compliance | Finance Charge Tolerance | Satisfied | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Trigger for Client requesting Appraisal fee split. Appraisal Management fee is an APR fee resulting in understated Finance Charge of $150.00. | 01/10/2025 Client provided a rebuttal reflecting that the Company offers that within the single appraisal fee charges to the consumer on this transaction, excluding the portion retained by the XXX from the Finance charge is permissible because it falls under 1026.4(c) (7). Per review by Internal Compliance Counsel and the Senior Director of Operations accepts that this is the main service that XXXXXXXX is performing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 796 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 19 years at current job. |
| 304633644 | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C | Compliance | Finance Charge Tolerance | Satisfied | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | Trigger for Client requesting Appraisal fee split. Appraisal Management fee is an APR fee resulting in understated Finance Charge of $150.00. | 01/10/2025 Client provided a rebuttal reflecting that the Company offers that within the single appraisal fee charges to the consumer on this transaction, excluding the portion retained by the XXX from the Finance charge is permissible because it falls under 1026.4(c) (7). Per review by Internal Compliance Counsel and the Senior Director of Operations accepts that this is the main service that XXXXXXXX is performing. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 796 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 19 years at current job. |
| 304633644 | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C | Compliance | Section 32 | Satisfied | CMPS32371 | Section 32 Loan per Points and Fees Test | No | File is missing the Fee Split worksheet. Provide worksheet for further testing. Additional conditions may apply.Threshold Calculation Adjusted - Charges$3,585.16 Total Loan Amount$59,492.68 Maximum Charges %5.000%Maximum Charges $2,974.63 Charges Margin to Threshold $610.53 Total Charges %6.026% Which Exceeds fees test threshold. | 12/20/2024 Client requesting Appraisal fee split retesting results in Exceeds fees test threshold by $6.78. Condition Remains. Provide Title Fee split for further testing. 12/30/24 Client provided the Title Fee Split worksheet. Re-testing results in no Section 32 violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 796 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 19 years at current job. |
| 304633644 | XXXXXX | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C | Compliance | State High Cost | Satisfied | CMPSTHC328 | SC High-Cost Loan by exceeding point and fee threshold, | No | File is missing the Fee Split worksheet. Provide worksheet for further testing. Additional conditions may apply.Threshold Calculation Adjusted --Charges$3,585.16 Total Loan Amount $59,492.68 Maximum Charges %5.000% Maximum Charges$2,974.63 Charges Margin to Threshold $610.53 Total Charges % 6.026% which Exceeds fees test threshold. | 12/20/2024 Client requesting Appraisal fee split retesting results in Exceeds fees test threshold by $6.78.Condition Remains. Provide Title Fee split for further testing. 12/30/24 Client provided the Title Fee Split worksheet. Condition remains. Re-testing still results in a $6.78 violation.01/10/2025 Client provided rebuttal regarding Appraisal fees not included in testing. Per review by Internal Compliance Counsel and the Senior Director of Operations accepts that this is the main service that XXXXXXXX is performing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 796 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 19 years at current job. |
| 304435571 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide the Initial CD with confirmation of borrower receipt at least 3 business days prior to consummation. Additional conditions may applyProvide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. | 10/07/2024 Client provided XXX for both reflecting CD was sent and viewed on 9/11. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 8 Years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: CLTV of 67.34% is below maximum allowed of 80% |
| 304633641 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 702 exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: borrower has been in the same profession for 30 years. |
| 304435570 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 16 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.67% LTV below guideline requirements of 75% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 60+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.32% DTI is below guideline requirement of 45.00%. |
| 304633639 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 1/24/25 Client provided an approved exception for missing T.42 Endorsement. | Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x24 exceeds mortgage history guidelines.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 13 years. |
| 304633639 | XXXXXX | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 1/24/25 Client provided an approved exception for missing T.42.1 Endorsement. | Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x24 exceeds mortgage history guidelines.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 13 years. |
| 304633638 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 28 years, 5 months at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 26 years, 10 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 qualifying score; 700 required. |
| 304435568 | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D C | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 10/14/24 Client provided confirmation initial CD for NBS was mailed via XXX. CD was received timely, condition satisfed | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.99 DTI below guideline of 45. |
| 304435568 | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender provided a QM worksheet but it did not indicate a QM status. Clayton determination is rebuttable due to points and fees. | 10/15/2024 client provided XXX reflecting QM:RP (APOR). | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.99 DTI below guideline of 45. |
| 304435568 | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D C | Credit | Income/Employment | Satisfied B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing verbal VOE dated within 10 days of closing. VVOE in file is dated 9/13/2024. Loan closed on XXX | 10/15/2024 client allow for business day and not calendar days. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 FICO exceeds guideline of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 43.99 DTI below guideline of 45. |
| 304435565 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 98 points than 700 min<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 9.35% lower than 80% max |
| 304435563 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 53% is 27% below the max allowed CLTV of 80 per the program guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 60 months of positive mortgage payment history exceeds the minimum required 12 months by 48 months. |
| 304633636 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23.9 years current residence time<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 29.4 years current job time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 44 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. |
| 304633634 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 746 > is above guideline minimum credit score.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 37 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 64.95% is 20.05 points below the guideline program minimum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 25.58% is 19.42 points below the guideline program minimum. |
| 304633633 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 46.21% is 28.79 points below the guideline program minimum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 679 > is above guideline minimum credit score. |
| 304633632 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/20/2025 Client provided Disclosure history reflecting Borrower receipt on 12/16 and Docs also sent XXX on 12/16 making 3 days for delivery and 3 days waiting period, allowing for earliest closing on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property for 19 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 64.24% below guideline requirements 85.00%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 22.21% below guideline requirement 45.00%. |
| 304633631 | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | File is missing the OH CSPA; Home Mortgage Information Document and the acknowledgement of receipt. | 01/31/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 12/16. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.68% below guideline requirement 45.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 19 years at current job |
| 304633631 | XXXXXX | XXXXXX | OH | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) B | Credit | LTV/CLTV | Satisfied B | CRDLTV5738 | CLTV Exceeds Guideline Requirement by less than 5% | No | CLTV is 75.04% which exceeds guideline of 75.00% due to middle credit score of 687. First lien balance of $XXX,XXX and CES of $XX,XXX. AVM value is $XXX,XXX | 1.31.2025 Client provided an updated VOM dated 1.30.2025 showing last payment was made on 1.23.2025 (Note date XXX), condition remains for payment history to support last payment made info. 2.5.2025 Client provided LOX stating, Please take into consideration the updated balance as of the funding date. The borrower made a payment on 1/23/2025, leaving the balance at $XXX,XXX which gives them a 74.86% CLTV | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 38.68% below guideline requirement 45.00%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 19 years at current job |
| 304435561 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 32+ months no mortgage lates<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Both employers have been at same job 3+ years with no gaps |
| 304636884 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 credit score exceeds the guideline minimum credit score of 660 by 51 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The 63% CLTV is 17% below the maximum allowed CLTV of 80%. |
| 304435559 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 80%, Current CLTV 44%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI 45%, current DTI 41%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have no history of late payments |
| 304435557 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Loan Informational Document. | 10/15/2024 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosure dated 8/28. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower at current residence for 23.5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower in profession for 17.1 years. |
| 304435556 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 57% is 23% below the maximum allowed CLTV of 80% per the program guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29% is 16% below the maximum allowed DTI of 45% per program guidelines. |
| 304435555 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied D | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that the XXX HELOC has been closed to future draws. | 10/15/2024 client provided HELOC close letter. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 707 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42.41 DTI below guideline of 45. |
| 304636881 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 756 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 26 years at current job. |
| 304633629 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Credit/Mtg History | Satisfied | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing documentation for the "XXX" deduction of $338.70 biweekly on XXX pay stubs. Must show that this is a 401k loan or include payment in debt ratio. | 1.27.2025 Client provided LOX stating, Per our UW: XXX $338.70 bi week, I added to DTI $733.85/mo. Ratios are ok. Response, included payment of $733.85 in DTI for updated DTI of 32.99% | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 770 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.83 DTI below guideline of 45. |
| 304633626 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document. | 01/29/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 12/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 19.76% is less than max of 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67.56% is less than the max of 75%. |
| 304435553 | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV actual 67.33 in less than max of 75.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48 months 0x30 |
| 304633623 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 21 years, 7 months at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years, 6 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 45.43% CLTV; 80% max allowed. |
| 304633622 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guideline. |
| 304435549 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 710 > is above guideline minimum credit score. |
| 304633621 | XXXXXX | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Title | Satisfied D | CRDTIL796 | Missing Title | No | File is missing title policy | 1.17.2025 Client provided Property Summary Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property for 20 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 60.11% below guideline requirements 80.00%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.81% below guideline requirement 45.00%. |
| 304636880 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower in current residence for 8.6 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job fopr 27 years. |
| 304636879 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.06% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 719 is 59 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 20 years and 6 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job; 32 years and 7 months. |
| 304633619 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years current residence time<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 14 years current job time<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 7.00% revolving credit line utilization |
| 304633618 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided at current residence for 6 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower is a Teacher for 7.50 years.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has positive mortgage history of 46/31 months @ 0 x 30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers median credit score of 712 is 32 more points than minimum required score of 680. |
| 304636878 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 78% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 24.73% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 15.5 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 20.83 years |
| 304633615 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 783 exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.26% CLTV below guideline requirements. Max CLTV 90.00%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current self employment, 11 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years |
| 304636876 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 59 Years in Current Profession<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has Good credit history with 0 Late Payments > 24 Months |
| 304435542 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 35 mos. mtg. payment hist. exceeds guideline min. requirement of 12 mos.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 25.81% is below max allowable per guidelines of 80%<br>CFCFS2860: Good credit history<br> - Clayton Comments: all accts. are paid as agreed with no collections, judgements, BK activity |
| 304636875 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero percent tolerance of $423.40 due to Transfer taxes increased from $278.00 to $701.40 on 12/10/024 without a valid reason in file. Provide COC PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via method including tracking information within 60 days of consummation. | 02/05/2025 Client provided PCCD 02/04 with Principal Reduction, LOE and Loan transaction history reflecting Payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The 739 credit score exceeds the 700 minimum credit score requirement by 39 points.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 20 years. |
| 304636875 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Ten percent tolerance of $216.75 due to Government recording fees increased from $110.00 to $337.75 on 12/10/2024 without a valid reason in file. Provided COC PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via method including tracking information within 60 days of consummation | 02/05/2025 Client provided PCCD 02/04 with Principal Reduction, LOE and Loan transaction history reflecting Payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The 739 credit score exceeds the 700 minimum credit score requirement by 39 points.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 20 years. |
| 304435540 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62% CLTV is18% below the max allowed CLTV of 80% per program guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The calculated back end DTI of 21% is 24% below the max DTI allowed of 45%. |
| 304633610 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 69.09% max per guidelines is 75%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current job for 27 years. |
| 304633610 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42.1 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 69.09% max per guidelines is 75%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current job for 27 years. |
| 304633609 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61% CLTV is 24% below the guideline maximum allowed of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The 745 credit score exceeds the guideline minimum credit score of 680 by 65 points. |
| 304633608 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance due to Condo Questionnaire fee $237 added to final LE 11/12/24. COC issued 11/07 lists fee amount but does not give additional details as to why fee was added. No cure provided on borrower final CD prior to close. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $236.95 w/ Proof of Delivery. | 01/14/2025 Client provided missing COC 11/7 reflecting Subject Property was identified as a Condo and the required Condo Documents were ordered on 11/7 and disclosed to Borrower on 11/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 32.62%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 752<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co Borrower at current employment 22 years |
| 304633606 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Satisfied B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations | 01/15/25 Client provided the missing HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is 32.34%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 757. |
| 304633606 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Satisfied B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 01/15/25 Client provided the missing ABD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is 32.34%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 757. |
| 304633605 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 788 exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 21.86% below guideline requirement<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 6 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 12 years |
| 304435537 | XXXXXX | XXXXXX | NE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 64.35% is 15.65 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x40 exceeds mortgage history guidelines. |
| 304633604 | XXXXXX | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.90% DTI<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.97% LTV |
| 304633603 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 788 exceeds guide lines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 44.98% is below guide line maximum of 90%. |
| 304636874 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower been at current residence for 22 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 756 max per guidelines is 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.24% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 74.80% max per guidelines is 85%. |
| 304636873 | XXXXXX | XXXXXX | IN | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The 36 month mortgage payment history exceeds the 12 month guideline minimum by 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The 693 credit score exceeds the 660 minimum credit score requirement by 33 points. |
| 304636871 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 64.51 is 25.49 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x24 exceeds mortgage history guidelines. |
| 304633600 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x60 exceeds mortgage history guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 39.45% is 5.55 points below the guideline program minimum. |
| 304633599 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 789 exceeds guidelines 760<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 48.38% below guideline requirements 90.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property for 10 years. |
| 304633597 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | Documentation | Satisfied D | CMPDOC3280 | One or more Applications in file are incomplete | No | Final application for Co-Borrower does not reflect a Citizenship check. | 1.27.2025 Client provided updated final 1003 for B2 with Citizenship US Citizens | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current job for 9 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 32.23% max per guidelines is 85%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 9 years. |
| 304633597 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Credit/Mtg History | Satisfied | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing evidence supporting primary PITI of ($X,XXX.XX). | 1.22.2025 Client provided VOM and Mtg statement verifying PITIA 1st payment of $X,XXX.XX | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current job for 9 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 32.23% max per guidelines is 85%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 9 years. |
| 304435534 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 62.58% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 740 is 80 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 42+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304435531 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 18 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 30 years and 3 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.90% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 704 is 44 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.31% DTI is below guideline requirement of 45.00%. |
| 304633596 | XXXXXX | XXXXXX | MO | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower inn current rwsidence fopr 18.2 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job for 11.2 years. |
| 304435529 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 67% is 13 % below maximum allowed CLTV of 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for 26years which exceeds the minimum 6 months by 25years and 6 months. |
| 304435527 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.50% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 740 is 80 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.18% DTI is below guideline requirement of 45.00%. |
| 304636870 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 761 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 22 years at current job. |
| 304633595 | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/15/2025 Client Provided a disclosure history reflecting that the CD was also provided via XXX 12/6. 3 Day delivery and 3 day waiting period allows for closing as soon as 12/13. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 79.75% max per guidelines is 85%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 16 years. |
| 304435524 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton status reflect QM status as QM Rebuttable Presumption (APOR). Lender reflects QM Safe Harbor APOR. The test APR is 10.030%, the benchmark APR is 6.320 resulting in a difference of 3.710%, max difference allowed is 3.50% | 10/17/2024 Client provided an updated XXX 10/16 reflecting QM status as Presumption of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV 80%, current LTV 72%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers in home over 13 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have no history of late payments |
| 304435524 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $559.80 due to Discount Points increased without a COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 10/16/2024 Client provided COC 9/18 reflecting increase to Discount points due to change in the DTI. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV 80%, current LTV 72%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers in home over 13 years<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have no history of late payments |
| 304633594 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | Property | Satisfied | PRVAPROP179 | Condition of Subject Below Average | No | Property condition report is showing property listed as Fair. | 1.27.2025 Client provided LOX stating, PCI reflecting '' fair '' condition is acceptable. There may be some deferred maintenance which would be a C3/C4. No health, safety or structural issues noted. Response, PCI report do not state reason for condition of being Fair and our system automatic triggers this condition when property condition is Fair. Condition remains for condition of at minimum Average or provide PCI with appraiser comment on reason Fair condition for further review. 1.29.2025 Client provided LOX stating per appraiser the property exterior has noticeable wear, requiring basic maintenance, reason for Fair condition. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 69.97% is 5.03 points below the guideline program minimum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 670 > is above guideline minimum credit score.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x35 exceeds mortgage history guidelines. |
| 304636869 | XXXXXX | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of CD 3 days prior to consummation date of XXX | 02/04/2025 Client provided a XXX reflecting CD sent 1/15 and viewed on 1/20. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 19 years and 8 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 15 years and 8 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48.82% LTV below guideline requirements of 75.00% per program. |
| 304636868 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16.10 years current job time<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 9.3 years current job time<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 17.1 years in same line of work/profession |
| 304435522 | XXXXXX | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3552 | TRID - Loan Estimate not timely | No | Missing LE dated within 3 days of the application dated 09/05/2024. Only Revised LE 09/11/2024 & 09/24/2024 in file. | 10/22/2024 Client provided missing Initial LE 09/05. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO is 83 points above 700 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 3.68% lower than 80% max. |
| 304633592 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 781 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 45.61% is 44.39 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x43 exceeds mortgage history guidelines. |
| 304633591 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 28.42 DTI below guideline of 45. |
| 304636867 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B2 do not meet tradeline requirement | 1.30.2025 Client provided exception approval for B2 not meeting tradeline requirements | Initial and Final Grade B | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has significant time at current job, 29 years 5 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.33% below guideline requirement<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 35.02% CLTV below guideline requirements. Max CLTV 85.00% |
| 304633590 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 1/23/2025 client provided an approved exception for missing T.42 Title Endorsement. | Initial and Final grade B. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 13 Years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 23.42% is below maximum allowed of 45% |
| 304633590 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 1/23/2025 client provided an approved exception for missing T.42.1 Title Endorsement. | Initial and Final grade B. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same line of work for 13 Years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 23.42% is below maximum allowed of 45% |
| 304435518 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The most recent 66 months paid as agreed mortgage history exceeds the required minimum 12 months by 54 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The 44% CLTV is 36% less than the maximum 80% CLTV allowed per program guidelines. |
| 304633589 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing proof of monthly retirement income in the amt. of $X,XXX (used to qualify loan) | 1.22.2025 Client provided 2023 1099 from XXX verifying monthly income of $X,XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 9.00% revolving credit line utilization<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.12% is below max allowable per guidelines of 45% |
| 304636865 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 698 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 66.07 is 8.93 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x39 exceeds mortgage history guidelines. |
| 304636864 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 27.41 is 57.59 points below the guideline program minimum.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 9 years. |
| 304636863 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Application | Satisfied D | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing third party fraud report. | 2/3 Client provided the Fraud report | Satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 754 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.50 DTI below guideline of 45. |
| 304435515 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | RESPA | Satisfied B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated 07/09 not provided w/in 3 days of application date of 06/27/2024 | 10/09/2024 Client provided missing List of homeowners counseling organizations dated 6/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on current job for 18 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been on job for 22 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 15 years. |
| 304435515 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD 9/17/2024 esigned 09/23/2024 less than 3 days prior to consummation date of 09/25/2024 | 10/14/24 Client provided XXX tracking for LE 7/9/24. Per client, initial CD was mailed and mailing rule applies. Condition remains and is pending receiving confirmation for initial CD 9/17/24 was mailed as disclosure is e-signed on 9/23/24. 10/15/2024 Client provided a Disclosure history reflecting CD 9/17 was provided via E-disclosure however not viewed/signed until 9/23 which does not allow a full 3 day wait period with closing date on 9/25. Provide evidence that Both received the Initial CD 9/17 dated allowing for 3 full days.10/21/2024 Client provided rebuttal reflecting CD was sent 9/17 and 3 day mail rule applies. Closing date 9/17 allows for closing on or after 9/24. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on current job for 18 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been on job for 22 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 15 years. |
| 304633586 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 713 exceeds guide lines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 62.56% is below lender's guide line maximum of 80%. |
| 304633586 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42.1 Title Endorsement. | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 713 exceeds guide lines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 62.56% is below lender's guide line maximum of 80%. |
| 304633585 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.46 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 59.65 is less that the max of 90. |
| 304633583 | XXXXXX | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 12 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years. |
| 304636861 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 749 > is above guideline minimum credit score.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x25 exceeds mortgage history guidelines. |
| 304435513 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30 x45 months > minimum required of 0x30 x12<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has occupied subject property for 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 mid score > minimum required of 680 (up to 75% CLTV)<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 38.26% < maximum permitted of 45% |
| 304633581 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 8 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 744 max per guidelines is 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 69.68% max per guidelines is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 26.18% max per guidelines is 45%. |
| 304633580 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Title | Satisfied D | CRDTIL796 | Missing Title | No | Missing Property Report | 1.23.2025 Client provided Property Summary Report | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 24 years current residence time<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 29.6 years current job time<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 18% revolving credit line utilization |
| 304633579 | XXXXXX | XXXXXX | MI | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | The test APR is 10.304%, the benchmark APR is 6.690% resulting in a difference of 3.614%, max difference allowed is 3.500%. | 01/16/2025 Client provided an updated XXX 1/15 reflecting QM status as Presumption of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO score 701 exceeds guidelines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 10 years at current job. |
| 304633578 | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance due to Title Examination fee $100 added to final CD 12/18/24 section B. No COC form provided fee amount details as to why fee was added. No cure provided on borrower final CD prior to close. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $100 w/ Proof of Delivery. | 01/13/2025 Client provided PCCD 1/10 with Principal Reduction, LOE and loan transaction history reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 8 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: B2 has significant time at current job, 22 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 8 years.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Additional documented income (2nd job for B1) not being used in qualifying. |
| 304636860 | XXXXXX | XXXXXX | MI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance due to Appraisal fee increase in the amount of $100 on revised CD 12/18/24. COC issued 12/11 lists fee amount but does not give sufficient details as to why fee was added. No cure provided on borrower final CD prior to close. Condition pending receipt detailed COC with fee increase validated or Post CD reflecting lenders cure, LOX, Refund of $100 w/ Proof of Delivery. | 01/31/2025 Client provided PCCD 1/30 with Principal Reduction, LOE and Loan transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 23 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 713 > is above guideline minimum credit score.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x47 exceeds mortgage history guidelines. |
| 304633577 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67% CLTV is 18% below the maximum guideline requirement of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 credit score exceeds the guideline minimum credit score of 680 by 75 points. |
| 304636859 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.29% below guideline requirement of 45% |
| 304633576 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years, 11 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.56% CLTV; 75% max allowed. |
| 304636858 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 713 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 5 years at current job. |
| 304633575 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 731 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 62.47% is 22.53 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x24 exceeds mortgage history guidelines. |
| 304633574 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 35.80 DTI below guideline of 45. |
| 304435508 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 742 is 42 points above program guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.08% DTI is below guideline requirement of 45.00%. |
| 304633573 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE320 | TX Equity - Texas Equity : Missing T.42 Title Endorsement | No | Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 748 max per guidelines is 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 69.81% max per guidelines is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 31.72% max per guidelines is 45%. |
| 304633573 | XXXXXX | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Texas Home Equity | Waived B | CMPTXHE321 | TX Equity - Texas Equity : Missing T.42.1 Title Endorsement | No | Missing T.42 Title Endorsement | 12/6/24 client provided an approved exception for missing T.42 Title endorsement | Initial and final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 748 max per guidelines is 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 69.81% max per guidelines is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 31.72% max per guidelines is 45%. |
| 304435507 | XXXXXX | XXXXXX | IN | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 62.36% and guidelines allow the HCLTV to be 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The lowest middle credit score is 727 and guidelines allow the credit score to be 700. |
| 304435505 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied D | CRDCRMH189 | Missing credit report | No | Credit report was provided for spouse, however borrowers credit report was not in file. | 10.9.2024 Client provided Credit report dated 8.22.2024 | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on current job for 6 years. |
| 304435505 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | LTV/CLTV | Satisfied | CRDLTV3030 | CLTV Exceeds Guideline Requirement by less than 5% | No | Condition Triggered upon receipt and review of Credit reportFico score 666 requires Max LTV of 70.00%Current LTV is 70.07% which exceed maximum of 70.00%; difference is 1st lien balance of $XXX,XXX.XX (per VOM and Lookup) however Lender is using balance of $XXX,XXX.XX Provide documentation that supports balance of $XXX,XXX | 10/09/2024 client provided updated statement reflecting current balance of $XXX,XXX.XX. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been on current job for 6 years. |
| 304633571 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 44% CLTV is 41% below the max allowed per the program requirement of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The 742 credit score exceeds the guideline minimum credit score of 660 by 82 points. |
| 304636857 | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied D | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that HELOC has been paid and closed to future draws once paid off. | 1.30.2025 Client provided executed by borrowers requesting closure of HELOC w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 676 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 69.64 is 5.36 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x50 exceeds mortgage history guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 37.43% is 7.57 points below the guideline program minimum. |
| 304435501 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 10/14/24 Client provided confirmation CD was mailed to NBS, mailing rule was applied and CD was received timely. Condition is satisfied | 10/14/24 Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 74.69 is 5.31 points below the guideline program minimum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 714 > is above guideline minimum credit score.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 34.07% is 10.93 points below the guideline program minimum. |
| 304435501 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 10/09/2024 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosure dated 8/21. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 74.69 is 5.31 points below the guideline program minimum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 714 > is above guideline minimum credit score.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 34.07% is 10.93 points below the guideline program minimum. |
| 304633569 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 Years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 42.37% is below maximum allowed of 80% |
| 304633567 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 8 years 8 months |
| 304435497 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 26 years current job time<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 23.1 years current residence time<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 36% revolving credit utilization |
| 304633566 | XXXXXX | XXXXXX | WV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.37% LTV below guideline requirements of 75.00% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 30+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.92% DTI is below guideline requirement of 45.00%. |
| 304636855 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 757 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 47.66 is 37.34 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x76 exceeds mortgage history guidelines. |
| 304636854 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64% LTV is 21% below the maximum guideline requirement of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The 720 credit score exceeds the 660 guideline minimum by 60 points. |
| 304633562 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | FEMA | Satisfied | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Appraisal date 11/22/24. FEMA Disaster Declarations on 01/08/2025 due to Wildfires and Straight-Line Winds in the Area. Provide post disaster property inspection. May be subject to additional conditions upon review. | 1/27 Client provided a post disaster inspection dated 1/23/25 showing no damage to the subject since the FEMA event | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 8 years and 10 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 9 years and 11 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.01% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 725 is 65 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304636853 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max CLTV is 80% and the borrower has a 51.791% CLTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been in the current residence for 20 years. |
| 304636852 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 789 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 63.57 is 26.43 points below the guideline program minimum. |
| 304435491 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 44% below guideline requirements of 70%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 57 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 7.83 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 21.5 years |
| 304633561 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 30 years and 11 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 21 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.96% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 739 is 79 points above program guideline minimum of 660. |
| 304633559 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 53.99% is 36.01 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x55 exceeds mortgage history guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 35.37% is 9.63 points below the guideline program minimum. |
| 304633558 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 781 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 37.10% is 52.90 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x41 exceeds mortgage history guidelines. |
| 304633557 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20.8 years current residence time<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 40.10 years current job time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 68 mos. mtg. payment history exceeds guideline min. requirement of 12 mos. |
| 304633556 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Title | Satisfied D | CRDTIL796 | Missing Title | No | Missing title report. | 1.13.2025 Client provided Title Summary Report, subject is a Condo and Condo approval and Condo Master Policy in loan file | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 758 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 34.09 DTI below guideline of 45. |
| 304633555 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/10/2025 Client provided a XXX for Non-Borrower reflecting CD sent on 12/3 and completed on 12/6. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 782 > is above guideline minimum credit score.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has additional overtime income that is not being used to qualify.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 64.51% is 25.49 points below the guideline program minimum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 30.99% is 14.01 points below the guideline program minimum. |
| 304633554 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 39.04 DTI below guideline of 45. |
| 304435487 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 7 years and 1 month<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 6 years and 10 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 52.60% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 748 is 88 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 36.30% DTI is below guideline requirement of 45.00%. |
| 304633553 | XXXXXX | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 58.99% is 21.01 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x28 exceeds mortgage history guidelines. |
| 304435485 | XXXXXX | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton status reflect QM status as Non-QM Lender documented all ATR UW factors. Lender reflects QM Safe Harbor. The test APR is 9.592%, the benchmark APR is 6.040% resulting in a difference of 3.552%, max difference allowed is 3.50% | 10/15/24 Client provided a 10/12 XXX reflecting QM Safe Harbor. Condition remains. The XXX reflects an APOR index lookup date of 8/14, however per the documents in file, the Rate Set Date is 8/19 (COC and Rate Lock are both dated 8/19 with re-disclosure of the first Lock on the 8/19 LE).10/18/2024 Client provided 8/14 lock confirmation reflecting exp date of 11/12. | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 6 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 11 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.51% max per guidelines is 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 716 max per guidelines is 700. |
| 304435484 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years, 8 months at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 41.91% CLTV; 80% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 32.26% DTI; 45% max allowed. |
| 304636850 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 25 years. |
| 304435482 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Borrower Acknowledged receipt of Initial CD 09/24/2024 on 09/24/2024. Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 10/14/24 Client provided XXX tracking for initial CD 9/24/24 confirming NBS received it on 9/24/24. Condition satisfied | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 27 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 37.23% is 32.77 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x28 exceeds mortgage history guidelines. |
| 304633552 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing evidence in file both title holder have received initial CD 12/31/2024 min 3 days prior to closing. | 01/23/2025 Client provided One Spans for both reflecting CD sent 12/31. Borrower completed 12/31 and Non-Borrower viewed on 12/31. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.26 is less than the max of 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65.28 is less than the max of 90. |
| 304633551 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the subject property for 20 years 2 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since 11/1/2018.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 61.53% CLTV is 8.02% below the maximum allowable CLTV of 69.55%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 760 is 100 points above the minimum required score of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.94% DTI is below the maximum allowed DTI of 45%. |
| 304633550 | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Credit/Mtg History | Waived B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | B2 does not meet 3 open tradelines requirement. B2 have 2 open tradelines | 12.25.2024 Client provided exception approval for B2 not meeting tradelines requirement | Final Grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.41% below guideline requirement<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 22 years 5 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.41% CLTV below guideline requirements. Max CLTV 80.00% |
| 304633550 | XXXXXX | XXXXXX | MS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Property Valuations | Property | Satisfied B | PRVAPROP177 | Property Issues Indicated | No | AVM do not reflect subject Lot size, provide evidence of subject Lot size | 1.8.2025 Client provided XXX supporting lot size of 0.64 | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.41% below guideline requirement<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 22 years 5 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 47.41% CLTV below guideline requirements. Max CLTV 80.00% |
| 304633549 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 749 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 62.96% is 22.04 points below the guideline program minimum.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 36.73% is 8.27 points below the guideline program minimum. |
| 304633548 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 31% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 50 years |
| 304633547 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D B | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/28/2025 Client provided request to Satisfy 2B. They are unable to provide documentation of Non-Borrower received CD 3 prior. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 28 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 741 exceeds guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 31.43% is below lender's guide line maximum of 45%. |
| 304636849 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 30.81% max per guidelines is 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 60.33% max per guidelines is 90%. |
| 304435478 | XXXXXX | XXXXXX | AZ | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Lender provided a QM worksheet with a safe harbor status. Clayton determinations is rebuttable due to Fees exceed allowable threshold of 3.50%. | 10/15/2024 Client provided an updated XXX 10/12 reflecting QM Status of Presumption of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 694 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 69.55% is 5.45 points below the guideline program minimum<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 37.61% is 7.4 points below the guideline program minimum. |
| 304633546 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | OH CSPA; Home Mortgage Information Document not provided | 01/22/2025 Client provided missing OH CSPA; Home Mortgage Information Document with acknowledgement disclosed on 12/03. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property for 5 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >16 years time at current job |
| 304636848 | XXXXXX | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 762 exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with 6 years at current. |
| 304633542 | XXXXXX | XXXXXX | OH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | State Consumer Protection | Satisfied B | CMPSTCP117 | OH CSPA; Home Mortgage Information Document not provided | No | Missing OH CSPA Home Mortgage Information Document. | 01/21/2025 Client provided Acknowledgement of receipt for Home Mortgage Information Document however the Document it self is missing. Condition remains. Provide the missing OH CSPA; Home Mortgage Information Document.01/22/2025 Client provided the missing OH CSPA; Home Mortgage Information Document. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 700 exceeds guide lines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 51.13% is below lender's guide lines maximum of 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been living at current residence for 15 years. |
| 304435476 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV actual of 69.85 is less than 80.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI actual of 39.70 is below max of 45. |
| 304633541 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 75% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 67 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.97% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.92 years |
| 304435473 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 16yrs and 3 months which exceeds the minimum required 2yrs by 14yrs and 3 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower's fico score of 812 exceeds the guideline minimum requirement of 700 by 112 points. |
| 304435472 | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 10/08/2024 Client provided XXX reflecting CD sent 9/11 and viewed on 9/12. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 51% is 29% below the maximum allowed CLTV by 29%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower's qualifying credit score of 793 exceeds the program minimum credit score of 700 by 93 points. |
| 304435472 | XXXXXX | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Missing 1004D/completion cert to verify master bathroom is complete. | 10.9.2024 Client provided 1004D with completion of Master Bedroom 100% complete with photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 51% is 29% below the maximum allowed CLTV by 29%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower's qualifying credit score of 793 exceeds the program minimum credit score of 700 by 93 points. |
| 304633537 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 40 month mortgage payment history exceeds the 12 month guideline minimum requirement by 28 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The 38% DTI is 7% below the guideline maximum requirement of 45%. |
| 304636847 | XXXXXX | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50.27% LTV below guideline requirements of 85.00% per program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 38 years and 5 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 745 is 85 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.75% DTI is below guideline requirement of 45.00%. |
| 304435471 | XXXXXX | XXXXXX | NH | QM: Safe Harbor | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 10.2 years current job time<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7.6 years current residence time<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 30 mos. mtg. payment history exceeds guideline min. requirement of 12 mos.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 16% revolving credit line utilization |
| 304435470 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Documentation | Satisfied D | CMPDOC806 | Notary Status is missing | No | Mortgage Notary Date is X/X/XXXX which is in the future. Provide copy of corrected Notary acknowledgement. | 10/23/2024 Client provided corrected Mortgage with letter for intent to re-recorded. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 737 > is above guideline minimum credit score.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 15 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 7 years. |
| 304435467 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years, 6 months at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 27 years, 6 months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 26 years, 2 months at current job. |
| 304435466 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 675 > is above guideline minimum credit score.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 6 years. |
| 304633535 | XXXXXX | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.99% is below lender's guide line maximum of 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 815 exceeds guide lines. |
| 304633534 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x38 exceeds mortgage history guidelines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 23 years. |
| 304633533 | XXXXXX | XXXXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 770 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 78.86% is 11.14 points below the guideline program minimum. |
| 304633531 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 8.2 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: bORROWER AT CURRENT JOB FOR 6 YEARS. |
| 304636846 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower in current residence for 14 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max allowed CLTV is 80% and the borrowers have a 62.743% CLTV. |
| 304636845 | XXXXXX | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is 51.15%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 680. Loan credit score is 732. |
| 304633528 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 805 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 29.06% is 60.94 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x47 exceeds mortgage history guidelines. |
| 304633527 | XXXXXX | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been owning the property for 23 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 50.46% below guideline requirements 75.00%. |
| 304633526 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Per Onespan tracking found in file, missing initial LE 11/27/2024 | 01/22/2025 Client provided missing Initial LE 11/27. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV allowed is 85%. Loan LTV is 53.78%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 660. Loan credit score is 744. |
| 304636844 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Low DTI 29 % Guidelines Require 45 %<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 34 Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 24 Years in Current Profession |
| 304633525 | XXXXXX | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 757 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 37.93% is 47.07 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x64 exceeds mortgage history guidelines. |
| 304633524 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 01/24/2025 Client provided a XXX for the Non-Borrower reflecting CD sent and completed on 1/8. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 787 > is above guideline minimum credit score.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x52 exceeds mortgage history guidelines. |
| 304636842 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 745 > is above guideline minimum credit score.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 17 years. |
| 304633522 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | Property Valuations | FEMA | Satisfied | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No subsequent property inspection completed after the these FEMA Disaster Declaration # XXXX declaration date of X/X/XX for Wildfires and Straight-Line Winds. | 1.24.2025 Client provided Post Disaster inspection dated 1.23.2025 with no damage along with exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 732 > is above guideline minimum credit score.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x21 exceeds mortgage history guidelines. |
| 304435459 | XXXXXX | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD dated 9/26/2024 is not signed and there is no evidence in file of when it was delivered to borrowers. Provide proof borrowers received an accurate CD 3 business days prior to closing | 10/17/2024 Client provided XXX reflecting both received CD and signed on 9/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 45.07% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 757 is 97 points above program guideline minimum of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304633520 | XXXXXX | XXXXXX | CA | QM: Rebuttable Presumption (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has positive mortgage history of 21/26 months @ 0 x 30. |
| 304633519 | XXXXXX | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has > 10 years time at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 50.11% below guideline requirements 80.00%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.42% below guideline requirement 45.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 716 exceeds guidelines 700. |
| 304633518 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Satisfied B | CMPRESPA2700 | RESPA - List of homeowners counseling organizations not provided w/in 3 days of application | No | List of homeowners counseling organizations dated 11/11/2024 was not provided to the borrower within 3 days of application date of 11/04/2024. | 01/15/2025 Client provided the missing List of homeowners counseling organizations dated 11/07. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 746 > is above guideline minimum credit score.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x42 exceeds mortgage history guidelines. |
| 304435458 | XXXXXX | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The credit score of 778 exceeds the minimum required credit score of 700 by 78 points.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI of 27% is 18% below the maximum DTI allowed of 45%. |
| 304633517 | XXXXXX | XXXXXX | IL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) D | Credit | Application | Satisfied D | CRDAPP130 | Application is incomplete | No | Initial application is incomplete- Page 9 section 9: Loan Originator Information is missing the Lender signature. | 1.9.2025 Client provided 1003 with originator information and lender signature however 1003 provided is not for subject transaction. Initial condition remains 1.13.2025 Client provided Lender initial documents including initial application with Loan Originator with signature | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 696 > is above guideline minimum credit score.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x48 exceeds mortgage history guidelines. |
| 304633516 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 7 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 30 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 746 max per guidelines is 720.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 71.07% max per guidelines is 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 33.41% max per guidelines is 45%. |
| 304633515 | XXXXXX | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 49% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 63 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.89% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 25 years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 6 years |
| 304633514 | XXXXXX | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 803 > is above guideline minimum credit score.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 51.84% is 38.16 points below the guideline program minimum. |
| 304636841 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied | CRDINC150 | Income docs do not meet guidelines | No | Co-borrower is qualified with monthly Housing Allowance 2828.00 from XXX, however, 1003 does reflect any employment or employer.Lender to provide explanation or completed 1003 with employment information or association of borrower with XXX | 2.5.2025 Client provided updated 1003 with including B2 employment info w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 40.19% below guideline requirement 45.00%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the property > 5 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the profession for 10 years. |
| 304633513 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 29 years and 2 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55.71% LTV below guideline requirements of 85.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 751 is 91 points above program guideline minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 37.44% DTI is below guideline requirement of 45.00%. |
| 304633512 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 718 > is above guideline minimum credit score.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x99 exceeds mortgage history guidelines. |
| 304636840 | XXXXXX | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score 795 exceeds guide lines.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV 34.05% is below lender's guide line maximum of 80%. |
| 304633511 | XXXXXX | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max allowed DTI is 50% and the borrowers have a 25.34% DTI. |
| 304636839 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Documentation | Satisfied B | CMPDOC2862 | TILA - Loan Originator information missing from Mortgage. | No | Missing page 16 of the Deed of Trust. | 02/06/2025 Client Provided copy of the full Mortgage including page 16 that was missing from the original file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 685 FICO exceeds guideline of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.91 DTI below guideline of 45. |
| 304633510 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Max DTI is 50% and the borrower has a31.019% DTI.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for 16 years. |
| 304633509 | XXXXXX | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | State High Cost | Satisfied | CMPSTHC873 | MD High-Cost Loan by exceeding point and fee threshold, | No | File is missing the Fee Split worksheet. Provide worksheet for further testing. Additional conditions may apply.Adjusted Charges$1,956.19Total Loan Amount$47,787.17Maximum Charges %4.000%Maximum Charges$1,911.49Charges Margin to Threshold$44.70Total Charges %4.094%Exceeds fees test threshold?Yes | 01/23/2025 Client provided missing Fee Split Document for proper allocation for Affiliate fees. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 9 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 13 years. |
| 304636837 | XXXXXX | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 15.08 is 64.92 points below the guideline program minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 7 years. |
| 304633507 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 34% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 83 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.72% below guideline requirement of 45%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 35.08 years |
| 304633506 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x30 exceeds mortgage history guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 21 years. |
| 304633505 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x33 exceeds mortgage history guidelines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 10 years. |
| 304633504 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 23 years and 9 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 22 years and 1 month<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 51.24% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 713 is 53 points above program guideline minimum of 660. |
| 304633502 | XXXXXX | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | COC form provided 12/21/24 indicating revised disclosure w/ numerical changes was issued. Missing revised LE. | 01/28/2025 Client provided a collaborate comment stating COC indicating that a disclosure went to the borrower on 12/23 is inaccurate. No disclosures went out to the borrower that day. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 62.41% is 17.59 points below the guideline program minimum.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 32 years. |
| 304435449 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | Compliance Manual | Satisfied D | CMPMAN2956 | Missing disclosure | No | Provide documentation non-borrowing spouse received an accurate CD 3 business days prior to closing. If unable to provide, the exception will be a satisfied non-material 2B using the signed CD at closing. | 10/22/2024 Client provided XXX for both reflecting CD sent and viewed on 9/26. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 772 is well above guideline threshold of 700.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 14 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years. |
| 304435449 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | Right of Rescission | Satisfied | CMPROR114 | ROR - Right of Rescission not executed by all title holders | No | ROR provided for Borrower 2, ROR is missing for Borrower 1. Provide Right of Rescission executed by all title holders. | 10/22/2024 Client provided Fully Executed ROR forms signed at closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 772 is well above guideline threshold of 700.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 14 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years. |
| 304435449 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Insurance | Satisfied | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Required hazard insurance coverage is $XXX,XXX.XX and policy in file verifies a coverage amount of $XXX,XXX with no indication of extended replacement cost coverage on policy. | 10.22.2024 Client provided HOI RCE, HOI reflects sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 772 is well above guideline threshold of 700.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 14 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years. |
| 304435449 | XXXXXX | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Insurance | Satisfied | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | Evidence of insurance in file expired on 10/4/2024 and transaction date was XXX | 10.22.2024 Client provided current HOI policy 10.4.2024 - 2025 | Condition satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 772 is well above guideline threshold of 700.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 14 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 5 years. |
| 304633501 | XXXXXX | XXXXXX | NC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x32 exceeds mortgage history guidelines. |
| 304435448 | XXXXXX | XXXXXX | MD | QM: Safe Harbor | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance due to Title Examination fee $100 added to initial CD 09/03/24. No COC form provided listing fee amount or details as to why fee was added. Cure provided or $1402.76 on final CD for transfer tax increase, insufficient to satisfy. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, total Refund of $1502.76 w/ Proof of Delivery. | 10/08/2024 Client provided PCCD 10/7 with Principal Reduction, LOE and Loan transaction history reflecting Payment applied. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 6 years and 9 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence; 7 years and 6 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 71.78% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 724 is 44 points above program guideline minimum of 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 45+ months with 0x30 Mortgage payment history exceeds guidelines of 24 months. |
| 304435447 | XXXXXX | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI actual 38.17 max is 45.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV actual of 54.16 is less than max of 70. |
| 304636835 | XXXXXX | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 71.84 is 8.16 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x38 exceeds mortgage history guidelines. |
| 304636834 | XXXXXX | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV: 60.66 is 14.34 points below the guideline program minimum.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x33 exceeds mortgage history guidelines. |
| 304633498 | XXXXXX | XXXXXX | OK | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Title | Satisfied D | CRDTIL865 | Title incomplete | No | Property report summary is showing lien for XXX - $25,000-4/26/16 last active and closed on 11/1/20. Report is not showing lien for the 1st mortgage from XXX.- $239,600-3/14/13. This loan is still active on credit report and is showing updated mortgage information from VOM. | 1.29.2025 Client provided updated Title Summary Report with 1st lien dated March 14, 2013 and 2nd lien on Title w/XXX have been paid and closed of 11.1.2020 (per Credit report) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 812 > is above guideline minimum credit score.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 33 years. |
| 304636833 | XXXXXX | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance due to Title Examination fee $100 added to initial CD 12/23/24 section B. No COC provided that lists fee amount or any details as to why fee was added. No cure provided on borrower final CD prior to close. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $100 w/ Proof of Delivery. | 02/04/2025 Client provided PCCD 2/3 with Principal Reduction, LOE and Loan Transaction history reflecting payment applied | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower been at current residence for 14 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job for 14 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 50.38% max per guidelines is 85%. |

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## Exhibit 99.9

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.9**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** |
| 304436073 | XXXXXX | Yes | XXXXXX | XXXXXX D B | Not Applicable |
| 304436072 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436070 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304436066 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304436065 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304634256 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304634255 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304634253 | XXXXXX | Yes | XXXXXX | XXXXXX D B | Not Applicable |
| 304634252 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304634251 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304634243 | XXXXXX | Yes | XXXXXX | XXXXXX D B | Not Applicable |
| 304436063 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304436062 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436061 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634240 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634238 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634235 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634233 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634231 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634230 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634229 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304637084 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634228 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304436057 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304634227 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634226 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436055 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436053 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637083 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634224 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436051 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304436050 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304634221 | XXXXXX | Yes | XXXXXX | XXXXXX D B | No |
| 304634220 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634218 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634216 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634214 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634211 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634210 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634208 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436042 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637082 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304634206 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634202 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634201 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634199 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304634198 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436039 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436038 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634196 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304634195 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634192 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634191 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304634189 | XXXXXX | Yes | XXXXXX | XXXXXX | Yes |
| 304637081 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634188 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634187 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304634186 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304349699 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436035 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637078 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634184 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436034 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304637077 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304634183 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637076 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304436033 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634182 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637075 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637074 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304436032 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436031 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634181 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634180 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634179 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304436029 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634178 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634177 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634176 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634175 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304637070 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304634173 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637068 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436025 | XXXXXX | Yes | XXXXXX | XXXXXX D B | Not Applicable |
| 304436024 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634172 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436023 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634171 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634170 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634169 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436021 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436020 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436019 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634168 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304436018 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436016 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304436013 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436012 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634167 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634165 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304637065 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304436009 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634163 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634162 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304436003 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634161 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634159 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634158 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304436000 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304634157 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634156 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637063 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634154 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435997 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304637062 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435995 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435994 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435993 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435992 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634153 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435990 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304634152 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435989 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435988 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304637061 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634149 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435987 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634147 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634146 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634145 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634143 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634142 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435984 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304634141 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634140 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435983 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634137 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634136 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634135 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304634134 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634133 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435982 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637058 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637057 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637056 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634129 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634128 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634127 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637055 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304637054 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634124 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634123 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637051 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304634122 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634120 | XXXXXX | Yes | XXXXXX | XXXXXX D B | Not Applicable |
| 304435979 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634119 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637050 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304637049 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637048 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634117 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634116 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435976 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304634115 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435974 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634114 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634113 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634112 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435972 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435971 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634110 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304637046 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435969 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304634107 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634106 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304637044 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634105 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435965 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634103 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435963 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304634102 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435962 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637043 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634101 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435958 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435957 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634098 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435956 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634095 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304634094 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634092 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634091 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634090 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634089 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634088 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304637039 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634087 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634085 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634084 | XXXXXX | Yes | XXXXXX | XXXXXX D B | Not Applicable |
| 304637037 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304435952 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304435950 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634083 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634082 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634081 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634080 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634079 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634078 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634076 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634075 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634074 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634073 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634071 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435947 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435945 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435944 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435943 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435941 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634069 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637036 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435940 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634068 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435939 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634067 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304435937 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435936 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435935 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435934 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637032 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435933 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435931 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637031 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435928 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304637030 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634066 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637029 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634064 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634063 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637028 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637027 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304637026 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634062 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634061 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634060 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634059 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634058 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634057 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634056 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435923 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637024 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304634054 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304435920 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634051 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634050 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304637022 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435914 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634049 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637020 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435912 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304637019 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637018 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634043 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634041 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634039 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435908 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435907 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634037 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304634036 | XXXXXX | Yes | XXXXXX | XXXXXX | Yes |
| 304634035 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435905 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634034 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435904 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634033 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435901 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634032 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304634031 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304435899 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304349314 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634029 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435896 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634028 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435892 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435891 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435889 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634025 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304634023 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435888 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634019 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634017 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634016 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634015 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637014 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634012 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435882 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304634011 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435881 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435880 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637012 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304634010 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435878 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304634007 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435876 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634006 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634003 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304637011 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304634000 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435874 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435872 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304637010 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633999 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304435870 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633998 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633997 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633996 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435869 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633995 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435868 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633994 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633993 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633992 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435866 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304637009 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435864 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435863 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633991 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633990 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633988 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633987 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435862 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633985 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633982 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633981 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633980 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633979 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435858 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633978 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633977 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304435854 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633974 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633972 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633971 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435851 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633970 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633969 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304633968 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633967 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637003 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633966 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435850 | XXXXXX | Yes | XXXXXX | XXXXXX D B | Not Applicable |
| 304633964 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633963 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633962 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633961 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633959 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633958 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633957 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304637002 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435847 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633956 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435845 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633955 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633954 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633953 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304637000 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633951 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633949 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435841 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435840 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304636999 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636998 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633947 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633946 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435839 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435838 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633945 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633944 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633942 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435836 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633941 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636997 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633939 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435834 | XXXXXX | Yes | XXXXXX | XXXXXX D | Yes |
| 304435833 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633936 | XXXXXX | Yes | XXXXXX | XXXXXX D B | No |
| 304435831 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304435830 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435828 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304636994 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633934 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633933 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636993 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633930 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435820 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633929 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633928 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435819 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633927 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435817 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633926 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633925 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304349085 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633923 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435814 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304435813 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633921 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633920 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633917 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633916 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435811 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633915 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633913 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633912 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636989 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633911 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435808 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633910 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633909 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435807 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633908 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636986 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435805 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633907 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633906 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633905 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636985 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633902 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633901 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633900 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636984 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633899 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633898 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633897 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633895 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633894 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633893 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304435796 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633891 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633889 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435792 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636983 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633884 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636982 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435786 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633882 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435784 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633881 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435783 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636978 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636977 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435781 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435780 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633878 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636976 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633876 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633874 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636974 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636973 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304636972 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633871 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636971 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633869 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636969 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633868 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633866 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636968 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633865 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435773 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633864 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636967 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633863 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636966 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636965 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633862 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633861 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633860 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633858 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633857 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435770 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633856 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633855 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633854 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304435766 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304435765 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435764 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633853 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435763 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435762 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633852 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636963 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633850 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435760 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636962 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435757 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633847 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304435756 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636961 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304435754 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304636960 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304633846 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633845 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636959 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435753 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435752 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633843 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633841 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304435750 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636957 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633840 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633839 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304633838 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435748 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633837 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633836 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633835 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435746 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633833 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633831 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435745 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435743 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633830 | XXXXXX | Yes | XXXXXX | XXXXXX D B | Not Applicable |
| 304633829 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435742 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633828 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633827 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633826 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633825 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435739 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633824 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633823 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633822 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633821 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636955 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633820 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636953 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435737 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435736 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633819 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633818 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435733 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304636952 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636951 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636950 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633815 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633813 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435730 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633812 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435728 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304636949 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636948 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633809 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633808 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304435727 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435725 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304633806 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435723 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304435722 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435721 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633805 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633804 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435719 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633803 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435717 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435715 | XXXXXX | Yes | XXXXXX | XXXXXX D B | No |
| 304636944 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435714 | XXXXXX | Yes | XXXXXX | XXXXXX D B | Not Applicable |
| 304435713 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633800 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435712 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633799 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633798 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633797 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304636943 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633796 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435709 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636942 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304636941 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633794 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636940 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636939 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435706 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304633793 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636937 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435702 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435701 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633792 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435699 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435698 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636935 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633789 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636934 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633787 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633786 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633785 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633784 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633783 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633782 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633781 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633780 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636931 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636930 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633777 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633776 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633775 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636929 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435681 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633773 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633772 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633771 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633770 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633769 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636926 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435675 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633766 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435674 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633765 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633764 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435672 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435670 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636924 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633762 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633761 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633760 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633759 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636923 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633755 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435665 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636920 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435664 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633754 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633753 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633752 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633751 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633749 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633746 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636917 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435660 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435659 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435658 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435656 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633745 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633743 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633742 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435653 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633741 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435652 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633739 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636916 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633737 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435650 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435647 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633734 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633732 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304633731 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636914 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435646 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435643 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435642 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633728 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633727 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633726 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636913 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304435630 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636911 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633723 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633722 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633721 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633720 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304435625 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304348554 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636910 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633717 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633716 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435624 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636909 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633714 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435621 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435618 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633713 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304633712 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304435615 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636908 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633711 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435614 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435613 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435612 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633707 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633705 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636907 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633703 | XXXXXX | Yes | XXXXXX | XXXXXX D B | Not Applicable |
| 304633701 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435610 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633700 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435609 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636906 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633699 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304636905 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636903 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435605 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633698 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435604 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633696 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633695 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633693 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435603 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633692 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435602 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633690 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435599 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633689 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633688 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633687 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636901 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633684 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633683 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633682 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636900 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633681 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435595 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633680 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304633678 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633677 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435593 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633676 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633675 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633674 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633672 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636899 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636898 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636897 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435591 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633671 | XXXXXX | Yes | XXXXXX | XXXXXX D | Yes |
| 304435588 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633670 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636895 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633669 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633668 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636893 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435584 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633665 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304435583 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633662 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636892 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435578 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435577 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633661 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633660 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633659 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636891 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633658 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633657 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633656 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633655 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633654 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435575 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435573 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633650 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435572 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633649 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633647 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636888 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633646 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633645 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633644 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435571 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633641 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435570 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633639 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633638 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435568 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304435565 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435563 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633636 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633634 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633633 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633632 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304633631 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304435561 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636884 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435559 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435557 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304435556 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435555 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304636881 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633629 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633626 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304435553 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633623 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633622 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435549 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633621 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304636880 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636879 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633619 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633618 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636878 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633615 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636876 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435542 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636875 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304435540 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633610 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633609 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633608 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633606 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304633605 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435537 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633604 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633603 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636874 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636873 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636871 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633600 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633599 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633597 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304435534 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435531 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633596 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435529 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435527 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636870 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633595 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435524 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633594 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636869 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636868 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435522 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633592 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633591 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304636867 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633590 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304435518 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633589 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636865 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636864 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636863 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304435515 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633586 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633585 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633583 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636861 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435513 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633581 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633580 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633579 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633578 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304636860 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633577 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636859 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633576 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636858 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633575 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633574 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435508 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633573 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304435507 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435505 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633571 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636857 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435501 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633569 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633567 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435497 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633566 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636855 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636854 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633562 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636853 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636852 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435491 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633561 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633559 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633558 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633557 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633556 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304633555 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304633554 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435487 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633553 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435485 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435484 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636850 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304435482 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633552 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633551 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633550 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304633549 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633548 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633547 | XXXXXX | Yes | XXXXXX | XXXXXX D B | Not Applicable |
| 304636849 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435478 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633546 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304636848 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633542 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304435476 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633541 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435473 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435472 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633537 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636847 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435471 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435470 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435467 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435466 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633535 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633534 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633533 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633531 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636846 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636845 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633528 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633527 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633526 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304636844 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633525 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633524 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304636842 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633522 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435459 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633520 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633519 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633518 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304435458 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633517 | XXXXXX | Yes | XXXXXX | XXXXXX D | No |
| 304633516 | XXXXXX | Yes | XXXXXX | XXXXXX | No |
| 304633515 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633514 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636841 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633513 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633512 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636840 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633511 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636839 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |
| 304633510 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633509 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636837 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633507 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633506 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633505 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633504 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633502 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304435449 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304633501 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304435448 | XXXXXX | Yes | XXXXXX | XXXXXX B | Not Applicable |
| 304435447 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636835 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304636834 | XXXXXX | Yes | XXXXXX | XXXXXX | Not Applicable |
| 304633498 | XXXXXX | Yes | XXXXXX | XXXXXX D | Not Applicable |
| 304636833 | XXXXXX | Yes | XXXXXX | XXXXXX B | No |

---

## Exhibit 99.10

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.10**

---

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| *Loans in Report:* | *948* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |  |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** | **Valuation Comments** |
| 304436073 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436072 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436070 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436066 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436065 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634256 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.24% |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634255 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634253 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634252 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634251 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634243 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436063 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436062 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436061 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634240 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634238 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634235 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634233 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634231 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634230 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634229 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637084 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634228 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436057 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634227 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634226 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436055 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436053 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637083 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634224 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436051 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436050 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634221 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634220 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634218 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634216 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634214 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634211 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634210 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634208 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436042 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637082 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634206 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634202 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634201 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634199 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634198 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436039 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436038 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634196 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634195 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634192 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634191 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634189 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637081 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634188 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | CoreLogic | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634187 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634186 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304349699 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436035 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637078 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634184 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436034 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637077 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | CoreLogic | 76.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634183 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637076 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436033 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634182 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637075 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637074 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436032 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436031 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634181 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634180 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634179 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436029 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634178 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 94.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634177 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634176 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634175 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637070 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634173 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304637068 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436025 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436024 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634172 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436023 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634171 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634170 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634169 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436021 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436020 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436019 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634168 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436018 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436016 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436013 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436012 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634167 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634165 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637065 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436009 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634163 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634162 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436003 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634161 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634159 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634158 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304436000 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634157 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634156 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637063 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634154 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435997 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637062 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435995 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435994 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435993 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304435992 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634153 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 1.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435990 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634152 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435989 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435988 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637061 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634149 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435987 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634147 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634146 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634145 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634143 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 90.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634142 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435984 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634141 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634140 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435983 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634137 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304634136 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634135 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634134 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634133 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435982 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637058 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637057 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637056 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634129 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634128 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634127 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637055 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637054 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634124 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634123 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637051 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634122 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634120 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435979 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634119 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637050 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637049 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637048 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634117 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634116 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435976 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634115 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435974 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634114 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634113 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634112 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435972 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435971 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634110 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637046 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435969 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634107 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634106 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637044 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634105 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435965 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634103 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435963 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634102 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435962 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637043 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634101 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | CoreLogic | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435958 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435957 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634098 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435956 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634095 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 304634094 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634092 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634091 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634090 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634089 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634088 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637039 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634087 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634085 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634084 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637037 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435952 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 304435950 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634083 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634082 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634081 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634080 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634079 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634078 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634076 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634075 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634074 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634073 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634071 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435947 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435945 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435944 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435943 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435941 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634069 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637036 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435940 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634068 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435939 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634067 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 304435937 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435936 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435935 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435934 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637032 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435933 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435931 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637031 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435928 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637030 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634066 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637029 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634064 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634063 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637028 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637027 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637026 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634062 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634061 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634060 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634059 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634058 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634057 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634056 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435923 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637024 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634054 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435920 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634051 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634050 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637022 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435914 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634049 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637020 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435912 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637019 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637018 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634043 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634041 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634039 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435908 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435907 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634037 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634036 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634035 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435905 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634034 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435904 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634033 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435901 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634032 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634031 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435899 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304349314 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634029 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435896 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634028 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435892 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435891 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435889 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634025 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634023 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435888 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634019 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634017 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634016 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634015 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637014 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634012 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435882 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634011 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435881 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435880 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637012 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634010 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435878 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634007 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435876 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634006 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634003 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637011 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304634000 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435874 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435872 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637010 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633999 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435870 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633998 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633997 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633996 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435869 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633995 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435868 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633994 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633993 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633992 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | CoreLogic | 84.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435866 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637009 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435864 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435863 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633991 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633990 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633988 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633987 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435862 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue (Veros) | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633985 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633982 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633981 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633980 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633979 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435858 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633978 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633977 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435854 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633974 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633972 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633971 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435851 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633970 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633969 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633968 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633967 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637003 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633966 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435850 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633964 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633963 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633962 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633961 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633959 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633958 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | CoreLogic | 73.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633957 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637002 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435847 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633956 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 304435845 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633955 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633954 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633953 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304637000 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633951 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633949 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435841 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435840 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636999 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636998 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633947 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633946 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435839 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435838 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633945 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633944 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633942 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435836 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633941 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636997 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633939 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435834 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435833 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633936 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435831 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435830 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435828 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 304636994 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633934 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633933 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636993 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633930 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435820 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633929 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633928 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435819 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633927 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435817 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633926 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633925 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304349085 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633923 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435814 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435813 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633921 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633920 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633917 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633916 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435811 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633915 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633913 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633912 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636989 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | CoreLogic | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633911 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435808 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633910 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633909 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435807 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633908 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636986 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435805 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633907 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633906 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633905 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636985 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633902 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633901 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633900 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636984 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633899 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633898 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633897 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633895 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633894 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633893 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435796 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633891 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633889 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435792 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636983 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633884 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636982 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435786 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633882 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435784 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633881 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435783 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636978 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636977 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435781 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435780 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633878 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636976 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633876 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633874 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636974 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636973 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636972 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 98.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633871 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636971 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633869 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636969 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633868 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633866 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636968 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633865 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435773 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633864 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636967 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633863 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636966 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636965 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633862 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633861 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633860 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633858 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633857 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435770 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633856 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633855 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633854 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435766 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435765 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435764 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633853 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435763 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435762 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633852 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636963 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633850 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435760 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636962 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435757 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633847 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435756 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636961 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435754 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636960 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633846 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633845 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636959 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435753 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435752 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633843 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633841 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435750 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | VeroValue Preferred (Veros) | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636957 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633840 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633839 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633838 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435748 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633837 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633836 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633835 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435746 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633833 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633831 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435745 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435743 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633830 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304633829 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435742 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633828 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633827 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633826 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633825 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435739 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633824 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633823 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633822 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633821 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |
| 304636955 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633820 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636953 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435737 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435736 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633819 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633818 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435733 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636952 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304636951 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636950 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633815 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633813 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435730 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633812 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435728 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636949 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636948 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633809 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633808 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435727 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435725 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633806 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435723 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435722 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435721 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633805 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633804 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435719 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633803 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435717 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435715 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636944 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435714 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435713 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633800 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435712 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633799 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633798 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633797 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636943 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633796 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 304435709 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636942 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636941 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633794 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636940 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636939 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435706 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633793 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636937 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435702 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435701 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633792 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435699 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435698 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636935 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633789 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636934 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633787 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633786 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633785 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633784 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633783 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633782 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633781 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633780 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.11% | Homegenius/Redbell | 11.000 | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636931 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636930 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633777 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633776 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633775 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636929 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435681 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633773 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633772 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633771 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | CoreLogic | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633770 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633769 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636926 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435675 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633766 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435674 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633765 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |  |
| 304633764 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435672 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.52% | Clear Capital | 5.000 | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435670 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636924 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633762 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633761 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633760 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633759 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636923 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633755 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435665 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636920 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435664 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633754 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633753 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633752 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633751 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633749 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633746 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636917 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435660 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435659 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435658 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304435656 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633745 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633743 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633742 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435653 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633741 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | CoreLogic | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435652 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633739 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636916 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | CoreLogic | 76.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633737 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435650 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435647 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633734 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633732 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633731 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636914 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435646 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | CoreLogic | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435643 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435642 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1075 Exterior-Only Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633728 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633727 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633726 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636913 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435630 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636911 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633723 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633722 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633721 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633720 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435625 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304348554 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636910 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633717 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633716 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435624 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636909 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633714 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435621 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435618 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633713 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633712 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435615 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636908 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633711 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435614 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435613 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435612 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633707 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633705 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636907 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633703 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633701 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435610 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633700 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435609 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636906 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633699 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 304636905 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636903 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435605 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633698 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435604 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633696 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633695 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633693 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435603 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633692 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435602 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633690 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435599 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633689 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633688 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633687 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636901 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304633684 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633683 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633682 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636900 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 98.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633681 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435595 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633680 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633678 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633677 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435593 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633676 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633675 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633674 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633672 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636899 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636898 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636897 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435591 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633671 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435588 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633670 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636895 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633669 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633668 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636893 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435584 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633665 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435583 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633662 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636892 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435578 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435577 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633661 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633660 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633659 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636891 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633658 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633657 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633656 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633655 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633654 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435575 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | CoreLogic | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435573 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633650 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435572 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633649 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633647 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636888 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633646 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633645 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633644 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435571 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633641 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435570 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633639 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633638 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435568 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435565 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435563 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633636 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633634 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633633 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633632 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633631 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435561 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636884 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435559 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435557 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435556 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435555 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636881 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633629 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633626 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435553 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633623 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633622 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435549 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633621 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636880 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636879 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633619 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633618 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636878 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633615 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636876 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435542 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636875 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435540 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633610 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633609 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633608 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633606 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633605 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435537 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633604 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633603 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636874 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 87.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636873 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636871 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633600 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633599 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633597 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435534 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435531 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633596 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435529 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435527 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636870 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633595 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435524 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633594 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636869 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636868 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435522 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633592 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633591 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636867 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633590 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304435518 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633589 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636865 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636864 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636863 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435515 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633586 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633585 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633583 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636861 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435513 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304633581 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633580 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633579 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633578 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636860 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633577 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636859 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633576 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636858 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633575 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633574 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435508 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633573 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435507 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435505 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633571 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636857 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435501 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633569 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633567 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435497 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633566 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636855 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636854 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633562 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636853 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636852 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435491 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633561 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633559 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633558 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633557 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633556 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633555 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633554 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435487 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633553 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435485 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435484 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2055 Ext Only (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636850 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435482 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633552 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633551 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633550 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633549 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633548 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633547 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636849 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435478 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633546 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636848 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633542 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435476 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633541 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435473 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435472 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633537 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636847 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435471 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304435470 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435467 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435466 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633535 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633534 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633533 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | CoreLogic | 78.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633531 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636846 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636845 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633528 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633527 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633526 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 86.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636844 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633525 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633524 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636842 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633522 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435459 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633520 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304633519 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Homegenius/Redbell | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633518 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435458 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633517 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633516 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  | Not Applicable |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633515 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633514 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636841 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633513 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633512 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636840 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633511 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636839 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633510 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 89.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633509 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636837 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Veros | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633507 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633506 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633505 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633504 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633502 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435449 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 90.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633501 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435448 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304435447 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Clear Capital | 88.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636835 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636834 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304633498 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | HouseCanary | 92.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |
| 304636833 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | Automated Valuation Model | Collateral Analytics | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |  |

---

## Exhibit 99.11

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.11**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third party due diligence provider, performed the review described below on closed-end second lien mortgage loans acquired by JPMorgan Chase Bank, National Association. The review included a total of 1,850 newly originated residential mortgage loans, in connection with the securitization identified as JPMMT 2025-CES3 (the "Securitization"). The Review was conducted from May 2024 through April 2024 on closed-end second lien mortgage loans originated between January 2024 and March 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

○ The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one thousand eight hundred fifty (1,850) mortgage loans reviewed, four hundred nine (409) unique mortgage loans (22.11% by loan count) had a total of six hundred eighty-eight (688) discrepancies across thirty-one (31) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy**<br> **Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;142 | &nbsp;&nbsp;20.64% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;102 | &nbsp;&nbsp;14.83% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;89 | &nbsp;&nbsp;12.94% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;58 | &nbsp;&nbsp;8.43% |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;52 | &nbsp;&nbsp;7.56% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;49 | &nbsp;&nbsp;7.12% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;36 | &nbsp;&nbsp;5.23% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;22 | &nbsp;&nbsp;3.20% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;21 | &nbsp;&nbsp;3.05% |
| &nbsp;&nbsp;Borrower 1 Origination FICO | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.03% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.31% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.31% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.16% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.02% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.02% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.02% |
| &nbsp;&nbsp;Borrower 2 Origination FICO | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.02% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.02% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.87% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.73% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.58% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.58% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.44% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.15% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**688** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | % by Loan Count |
| A | 1805 | $166236491.16 | 97.57% |
| B | 45 | $6074790.00 | 2.43% |
| C | 0 | $0.00 | 0% |
| D | 0 | $0.00 | 0% |
| **Total** | 1850 | $172311281.16 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | % by Loan Count |
| A | 1814 | 98.05% |
| B | 36 | 1.95% |
| C | 0 | 0% |
| D | 0 | 0% |
| **Total** | 1850 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | % by Loan Count |
| A | 1841 | 99.51% |
| B | 9 | 0.49% |
| C | 0 | 0% |
| D | 0 | 0% |
| **Total** | 1850 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results: (As applicable, 1,850 loans within population did not receive a Property Review)** | **Valuation Results: (As applicable, 1,850 loans within population did not receive a Property Review)** | **Valuation Results: (As applicable, 1,850 loans within population did not receive a Property Review)** |
| Event Grade | Loan Count | % by Loan Count |
| A | 0 | 0% |
| B | 0 | 0% |
| C | 0 | 0% |
| D | 0 | 0% |
| **Total** | 0 | 0% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception<br> Level<br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;1407 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;50 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;48 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;27 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | &nbsp;&nbsp;27 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;23 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Missing Trust Agreement | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Borrower 1 Citizenship Documentation not provided | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Hazard insurance dwelling coverage is not sufficient | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;No evidence of required debt payoff | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Borrower 1 Award Letter Missing | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Missing VVOE dated within 10 days consummation | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Missing Property Tax Cert | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Borrower 2 Citizenship Documentation not provided | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Borrower 1 W2/1099 Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Missing Verification of Mortgage | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Missing Credit Report Supplement | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Borrower 2 Gap Credit Report is Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Borrower 1 Paystubs Missing | &nbsp;&nbsp;3 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Borrower 2 W2/1099 Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Borrower 1 Personal Tax Returns Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Missing income documentation | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Borrower 1 Executed 4506-T Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Title issue | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Potential Identity Issues identified in the file | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;The Note is Incomplete | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Flood Insurance Policy Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 1 Tax Returns Not Signed | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 2 Executed 4506-T Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 1 Business Tax Returns Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 2 Personal Tax Returns Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Income/Employment General | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Borrower 2 Paystubs Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Subject Property Address on Note does not match Insured Property Address | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 2 Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Note is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Income - Award Letter | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HOA Questionnaire is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Income - Business Tax Returns | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Income 3 Months Income Verified is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower information on 1003 is incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Deed of Trust Riders | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing legal documents for senior or subordinate lien | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;HO6 Insurance Policy Expiration Date is before the Note Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Satisfactory Chain of Title not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Borrower 1 Total Years Employment Verified is Less Than 24 Months | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Taxpayer First Act Disclosure is Not Executed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Letter of Explanation (Income) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Employment Gaps in Employment Without Sufficient Explanation | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing final HUD-1 from sale of non-subject property | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing rent comparable schedule form 1007 | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Potential Occupancy/Current Address Issues identified in the file | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Taxpayer First Act Disclosure | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;AUS Not Provided | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;SCIF Document Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Verification of Rent | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 1 1040 Schedule E Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Flood Certificate Partially Provided | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 1 YTD Profit & Loss Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Balance Sheet | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Fraud: Potential Occupancy/Current Address Issues identified in the file | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Closing/Final Verbal VOE | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 2 Award Letter Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;ATR Risk | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Borrower 1 Credit Report is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing Divorce Decree | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Missing HOA/Condo Certification | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Potential Fraud Reflected on Fraud Report | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Income 2 Months Income Verified is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***2018*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is less than Guideline Minimum Loan Amount | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;10 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Mortgage history for primary residence less than 12 months | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Property Issue(s) are Present | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Income/Employment General | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Employment Self-Employed Less Than 2 Years at Origination | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***50*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;922 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;891 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;91 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;41 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Right of Rescission is Missing | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Safe Harbor Threshold | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CT Nonprime Home Loan Test | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;OK HOEPA Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage APR Threshold Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Non-Borrower Title Holder Did Not Receive Right of Rescission Form | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 489/344 Covered Loan APR Threshold Test | &nbsp;&nbsp;1 |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;RESPA Homeownership Counseling Organizations Disclosure Date Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than 3 days Prior to Consummation (12 CFR 1026.35(c)(6)) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Closing Disclosure is Not Executed | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;IL Cook County Predatory Loan DTI Presumption Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;IL Chicago Predatory Loan DTI Presumption Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;Condo Rider is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***2049*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;AR HB 2598 High Cost Home Loan Points and Fees Threshold Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;IL Cook County Threshold Loan Points and Fees Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Right of Rescission is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;IL Chicago Threshold Loan Points and Fees Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***11*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.12

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.12**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXX | XXXXX | 304383820 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304383274 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304497313 | Occupancy | XXX | XXX | Audit value Per 1003/approval |
| XXXXX | XXXXX | 304497312 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304497311 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304497288 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304497283 | Borrower 2 Last Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304497280 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304497250 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304497241 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304497241 | Borrower 2 Self-Employment Flag | XXX | XXX | Co-Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304497216 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304497203 | Borrower 2 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304497182 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304497165 | Borrower 2 Self-Employment Flag | XXX | XXX | Co-Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304497117 | Borrower 2 Self-Employment Flag | XXX | XXX | Co-Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304497112 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304497087 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304496985 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304496956 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304496954 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304496942 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304496942 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304496935 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304496886 | Borrower 1 Last Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304496857 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304496819 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304496775 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304496775 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304496737 | Borrower 2 SSN | XXX | XXX | Audit Value verified from Final 1003/Citizenship documents |
| XXXXX | XXXXX | 304496736 | Borrower 1 Last Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304496734 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304496734 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304496734 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304471958 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304436574 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304356582 | Property State | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304477559 | Number of Units | XXX | XXX | Audit value from appraisal/AVM |
| XXXXX | XXXXX | 304490216 | Number of Units | XXX | XXX | Audit value from appraisal/AVM |
| XXXXX | XXXXX | 304490245 | Occupancy | XXX | XXX | Audit value Per 1003/approval |
| XXXXX | XXXXX | 304490215 | Number of Units | XXX | XXX | Audit value from appraisal/AVM |
| XXXXX | XXXXX | 304497421 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304388609 | Borrower 1 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304419368 | Primary Appraised Property Value | XXX | XXX | Lender used UW Value of $XXX; AVM in file reflects value as $XXX. |
| XXXXX | XXXXX | 304419368 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304419368 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304393167 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304393167 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304384955 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304386604 | Borrower 1 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304386604 | Borrower 2 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304388447 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304388020 | Note Date | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304390601 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304392121 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304393101 | Borrower 1 Citizen | XXX | XXX | Audit Value verified from Final 1003/Citizenship documents |
| XXXXX | XXXXX | 304419521 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304393752 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304393752 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304393763 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304398869 | Borrower 1 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304436364 | Borrower 1 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304436364 | Borrower 2 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304398848 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304398652 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304437854 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304425701 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304405059 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304405059 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304401323 | Borrower 2 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304401321 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304401321 | Property Zip Code | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304405735 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304402765 | Borrower 1 Last Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304417838 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304417831 | Borrower 1 Citizen | XXX | XXX | Audit Value verified from Final 1003/Citizenship documents |
| XXXXX | XXXXX | 304417831 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304417834 | Borrower 1 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304418569 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304420139 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304420139 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304418825 | Number of Units | XXX | XXX | Audit value from appraisal/AVM |
| XXXXX | XXXXX | 304419125 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304419125 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304419519 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304420514 | Borrower 1 Last Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304420514 | Borrower 2 SSN | XXX | XXX | Audit Value verified from Final 1003/Citizenship documents |
| XXXXX | XXXXX | 304420442 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304422582 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304420973 | Borrower 1 Birthdate | XXX | XXX | Audit Value verified from Final 1003/ID |
| XXXXX | XXXXX | 304422861 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304422395 | Borrower 1 Birthdate | XXX | XXX | Audit Value verified from Final 1003/ID |
| XXXXX | XXXXX | 304422395 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304422395 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304405650 | Property Zip Code | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304422857 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304423683 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304422982 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304425118 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304425118 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304425182 | Borrower 1 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304433063 | Borrower 1 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304427020 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304428173 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304429177 | Property Zip Code | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304427790 | Borrower 1 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304426358 | Borrower 1 Birthdate | XXX | XXX | Audit Value verified from Final 1003/ID |
| XXXXX | XXXXX | 304427789 | Borrower 1 Marital Status | XXX | XXX | Per final loan application and vesting |
| XXXXX | XXXXX | 304427789 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304427785 | Borrower 2 Marital Status | XXX | XXX | Co-Borrower is XXX per Final 1003 |
| XXXXX | XXXXX | 304436419 | Borrower 2 Self-Employment Flag | XXX | XXX | Co-Borrower is not employed |
| XXXXX | XXXXX | 304428897 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304428895 | Number of Units | XXX | XXX | Audit value from appraisal/AVM |
| XXXXX | XXXXX | 304428895 | Property Zip Code | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304429103 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304429128 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304431548 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304442459 | Borrower 1 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304442459 | Borrower 2 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304432581 | Number of Units | XXX | XXX | Audit value from appraisal/AVM |
| XXXXX | XXXXX | 304437851 | Property State | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304457468 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304436316 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304436316 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304433125 | Property Zip Code | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304435439 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304436355 | Borrower 2 Last Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304438493 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304468379 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304436637 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304442401 | Primary Appraised Property Value | XXX | XXX | Lender used UW Value of $XXX; AVM in file reflects value as $XXX. |
| XXXXX | XXXXX | 304442401 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304437804 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304437804 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304438486 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304438486 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304443996 | Property State | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304438454 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304441646 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is wage earner |
| XXXXX | XXXXX | 304438451 | Borrower 1 SSN | XXX | XXX | Audit value per Final 1003/credit report |
| XXXXX | XXXXX | 304440098 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304440098 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304439180 | Property State | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304442400 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304441642 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304441642 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304441721 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304441838 | Number of Units | XXX | XXX | Audit value from appraisal/AVM |
| XXXXX | XXXXX | 304441927 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304457476 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304457476 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304470000 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304470000 | Borrower 1 Last Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304442454 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304442448 | Property Zip Code | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304442448 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304454189 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304454189 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304454189 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304454189 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304443911 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304443057 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304443925 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304443553 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304443553 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304443130 | Borrower 2 Citizen | XXX | XXX | Audit Value verified from Final 1003/Citizenship documents |
| XXXXX | XXXXX | 304443130 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304443151 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304456482 | Amortization Term | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304472527 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304458298 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304458203 | Borrower 1 SSN | XXX | XXX | Audit value per Final 1003/credit report |
| XXXXX | XXXXX | 304481643 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304462415 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is wage earner |
| XXXXX | XXXXX | 304462415 | Borrower 2 Last Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304459664 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304459664 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304462351 | Borrower 1 Birthdate | XXX | XXX | Audit Value verified from Final 1003/ID |
| XXXXX | XXXXX | 304468604 | Property State | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304470225 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304498514 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304672238 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304470218 | Borrower 1 First Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304481568 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304471169 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304471169 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304472011 | Borrower 2 Self-Employment Flag | XXX | XXX | Co-Borrower is wage earner |
| XXXXX | XXXXX | 304471738 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304477036 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304477036 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304477036 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304477036 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304472010 | Borrower 1 Last Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304472306 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304472306 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304472306 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304472304 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304472304 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304472304 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304462416 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304474221 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304477093 | Borrower 1 SSN | XXX | XXX | Audit value per Final 1003/credit report |
| XXXXX | XXXXX | 304493044 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304493044 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304493044 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304493044 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304477463 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304632139 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304632139 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304477644 | Borrower 1 Last Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304477644 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304477644 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304477644 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304481433 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304481433 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304481433 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304480898 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304481247 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304481303 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304481303 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304481327 | Property State | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304481327 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304481694 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304481694 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304481422 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304481422 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304481651 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304481651 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304481651 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304481641 | Borrower 1 SSN | XXX | XXX | Audit value per Final 1003/credit report |
| XXXXX | XXXXX | 304486597 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304482891 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304482891 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304496664 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304496664 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304496664 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304496664 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304482924 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304482924 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304484522 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304484522 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304484894 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304484894 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304485147 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304485290 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304485290 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304485290 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304485289 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304486927 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304486054 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304486054 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304487997 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304487997 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304487997 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304486605 | Borrower 1 First Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304486605 | Borrower 1 SSN | XXX | XXX | Audit value per Final 1003/credit report |
| XXXXX | XXXXX | 304486605 | Borrower 2 SSN | XXX | XXX | Audit Value verified from Final 1003/Citizenship documents |
| XXXXX | XXXXX | 304487616 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304487616 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304493042 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304487906 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304637157 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304637157 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304487993 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304487993 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304487993 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304490546 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304490546 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304490546 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304495091 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304490542 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304490542 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304490542 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304490542 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304490541 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304490541 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304490541 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304490538 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304490534 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304490534 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304490534 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304493138 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304492550 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304492550 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304491983 | Qualifying FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304494155 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304494154 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304492259 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304494074 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304492694 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304492680 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304492680 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304492680 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304492680 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304492680 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304492665 | Borrower 1 Citizen | XXX | XXX | Audit Value verified from Final 1003/Citizenship documents |
| XXXXX | XXXXX | 304477160 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304495089 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304495193 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304495193 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304495193 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304493036 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304493036 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304493036 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304493036 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304493136 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304493136 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304493136 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304493557 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304493557 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304493557 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304493557 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304493557 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304493556 | Borrower 1 SSN | XXX | XXX | Audit value per Final 1003/credit report |
| XXXXX | XXXXX | 304493556 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304493826 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304494070 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304494070 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304494070 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304494070 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304509934 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304509934 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304495083 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304495057 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304495057 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304495055 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304495052 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304496659 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304496659 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304496659 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304495046 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304510694 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304510694 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304495147 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304495147 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304495188 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304495188 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304497406 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304497406 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304497406 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304497406 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304497406 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304498562 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304498562 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304498562 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304498562 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304498562 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304498289 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304510355 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304510355 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304510355 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304510353 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304510353 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304510353 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304510507 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304511537 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304511537 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304511537 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304511537 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304510679 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304510679 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304510679 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304510665 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304510665 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304510663 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304510663 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304510663 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304572211 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304510752 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304510762 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304510762 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304510762 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304510762 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304510987 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304510987 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304552708 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304552708 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304552708 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304511485 | Borrower 1 Birthdate | XXX | XXX | Audit Value verified from Final 1003/ID |
| XXXXX | XXXXX | 304511485 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304511706 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304635008 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304632084 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304632684 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304632684 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304572071 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304613720 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304613720 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304632962 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304632962 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304632962 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304632022 | Borrower 1 Last Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304635464 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304635464 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304632677 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304632677 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304632677 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304632677 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304632675 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304632705 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304632705 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304632705 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304632672 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304632672 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304634679 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304634679 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304634679 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304636804 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304636804 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304636804 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304636804 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304632973 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304632973 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304632973 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304632973 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304632797 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304632797 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304632797 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304635007 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304635007 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304633044 | Borrower 1 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304633041 | Borrower 1 First Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304633474 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304633472 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304635462 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304635462 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304636757 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304636757 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304636757 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304492562 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304636756 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304636756 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304635893 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304635893 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304635893 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304635893 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304635635 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304635461 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304635461 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304636429 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304636823 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304636823 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304637093 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304637093 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304637093 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304636822 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304637092 | Borrower 2 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304637153 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304637153 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304637578 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304637562 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304637562 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304637562 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304637560 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304637651 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304638542 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304638542 | Borrower 2 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304639456 | Borrower 1 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304640115 | Borrower 1 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304637884 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304639869 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304639042 | Borrower 2 Self-Employment Flag | XXX | XXX | Co-Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304639042 | Primary Appraised Property Value | XXX | XXX | Verified from Appraisal. |
| XXXXX | XXXXX | 304639041 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304639041 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304639987 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304639938 | Borrower 1 SSN | XXX | XXX | Audit value per Final 1003/credit report |
| XXXXX | XXXXX | 304639986 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304640286 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304640286 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304640286 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304641822 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304641822 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304643097 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304643097 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304643142 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304632970 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304632970 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304632970 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304643139 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304644282 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304644282 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304644282 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304644282 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304664485 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304664485 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304664485 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304664612 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304664612 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304078884 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304078884 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304078884 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304364754 | Borrower 1 First Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304364754 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304364754 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304361462 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304361462 | Note Date | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304361462 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304358641 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304392166 | Borrower 1 First Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304392166 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304392166 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304388008 | Primary Appraised Property Value | XXX | XXX | Verified from AVM. |
| XXXXX | XXXXX | 304387008 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304386586 | Borrower 1 Birthdate | XXX | XXX | Audit Value verified from Final 1003/ID |
| XXXXX | XXXXX | 304422541 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304401311 | Borrower 1 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304443090 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304423718 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304440306 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower owns less than XXX% of Business |
| XXXXX | XXXXX | 304440305 | Qualifying FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304440305 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304440305 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304440305 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304440305 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304441632 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304441797 | Borrower 1 First Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304472438 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304472420 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304459103 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304459311 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304456468 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304492076 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304459105 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304459105 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304459105 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304485277 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304485277 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304510776 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304405434 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304405434 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304405434 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304382778 | Qualifying FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304382778 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304382778 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304398863 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304398863 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304398863 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304415816 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304415816 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304415816 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304490225 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304490225 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304423676 | Borrower 1 Self-Employment Flag | XXX | XXX | Verified Borrower is not self employed, Co-Borrower is self employed. |
| XXXXX | XXXXX | 304437871 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304492225 | Borrower 2 SSN | XXX | XXX | Audit Value verified from Final 1003/Citizenship documents |
| XXXXX | XXXXX | 304492218 | Occupancy | XXX | XXX | Audit value Per 1003/approval |
| XXXXX | XXXXX | 304492210 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304492210 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304485200 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304485200 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304490237 | Borrower 1 Citizen | XXX | XXX | Audit Value verified from Final 1003/Citizenship documents |
| XXXXX | XXXXX | 304642384 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304642384 | Qualifying FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304642384 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304644166 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304644166 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304672333 | Borrower 1 Origination FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304672333 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304470093 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304470093 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304333564 | Note Date | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304333564 | Qualifying FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304333063 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304416493 | Qualifying HLTV | XXX | XXX | Tape Value is LTV |
| XXXXX | XXXXX | 304416493 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304357639 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304393773 | Prepayment Penalty Flag | XXX | XXX | Audit value Per 1003/approval |
| XXXXX | XXXXX | 304393773 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304393773 | Qualifying FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304393773 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304393773 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304380532 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304381626 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304381626 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304381900 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304382331 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304391818 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304391818 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304385077 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is wage earner |
| XXXXX | XXXXX | 304387264 | Note Date | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304387264 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304387264 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304387264 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304388032 | Occupancy | XXX | XXX | Audit value Per 1003/approval |
| XXXXX | XXXXX | 304388032 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304388032 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304388216 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304390399 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304390399 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304397207 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304396151 | Note Date | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304396151 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304396151 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304396151 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304396151 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304398079 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304419167 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304419167 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304419167 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304398243 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304398670 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304398670 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304418101 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304401023 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304401316 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304401316 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304405457 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304405569 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304415815 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304416267 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304418082 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304418082 | Qualifying HLTV | XXX | XXX | Tape is LTV amount |
| XXXXX | XXXXX | 304418081 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304418081 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304418081 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304418081 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304420156 | Borrower 1 Birthdate | XXX | XXX | Audit Value verified from Final 1003/ID |
| XXXXX | XXXXX | 304420156 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304420757 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304422636 | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304425135 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304425694 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304425904 | Borrower 1 SSN | XXX | XXX | Audit value per Final 1003/credit report |
| XXXXX | XXXXX | 304425904 | Note Date | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304425904 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304426429 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304426205 | Borrower 1 SSN | XXX | XXX | Audit value per Final 1003/credit report |
| XXXXX | XXXXX | 304426205 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304426413 | Borrower 2 Self-Employment Flag | XXX | XXX | Co-Borrower is self-employed per documentation in file |
| XXXXX | XXXXX | 304426452 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304492203 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304492203 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304492203 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304492203 | Qualifying Interest Rate | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304492203 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304492203 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304428832 | Occupancy | XXX | XXX | Audit value Per 1003/approval |
| XXXXX | XXXXX | 304492198 | Amortization Term | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304492198 | Term | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304436286 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304492191 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304437446 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304492186 | Qualifying CLTV | XXX | XXX | Tape Value is LTV |
| XXXXX | XXXXX | 304492186 | Qualifying HLTV | XXX | XXX | Tape Value is LTV |
| XXXXX | XXXXX | 304492182 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304492181 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304492181 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304492176 | Borrower 1 First Name | XXX | XXX | Audit value pulled from Note |
| XXXXX | XXXXX | 304492171 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304492168 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304492168 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304470197 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304492165 | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB; refinance transaction |
| XXXXX | XXXXX | 304492165 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304492165 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304492165 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304483079 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304485197 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304483592 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304489941 | Primary Appraised Property Value | XXX | XXX | Verified from Appraisal. |
| XXXXX | XXXXX | 304485192 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304485192 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304485192 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304489938 | Primary Appraised Property Value | XXX | XXX | Lower Value |
| XXXXX | XXXXX | 304489937 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304483587 | Borrower 2 Citizen | XXX | XXX | Audit Value verified from Final 1003/Citizenship documents |
| XXXXX | XXXXX | 304483587 | Qualifying FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304489936 | Qualifying FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304487962 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304492342 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304493049 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304493049 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304494030 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304494030 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304494102 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304494102 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304497331 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304632742 | Qualifying FICO | XXX | XXX | Audit Value from origination credit report |
| XXXXX | XXXXX | 304632742 | Qualifying LTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304637859 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304637859 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304637859 | Qualifying Housing Debt Income Ratio | XXX | XXX | Audit value calculated per income and PITIA documented |
| XXXXX | XXXXX | 304637859 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304471742 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit value calculated per income and debts documented |
| XXXXX | XXXXX | 304443450 | Primary Appraised Property Value | XXX | XXX | Lender used UW Value of $XXX; AVM in file reflects value as $XXX. |
| XXXXX | XXXXX | 304443450 | Qualifying CLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |
| XXXXX | XXXXX | 304443450 | Qualifying HLTV | XXX | XXX | Audit value calculated as subject loan amount + verified senior lien balance/value |

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## Exhibit 99.13

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.13**

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **Customer Loan ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
| XXX | XXXXX | 304383820 | FCOM8997 | 09/13/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/13/2024 | A |
| XXX | XXXXX | 304383820 | FCRE1158 | 09/06/2024 | Credit | Missing Doc | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided The guidelines indicate that hazard insurance policy must document the insurer has an acceptable rating from an allowable third party source. In this case, the hazard insurance policy did not reflect the insurer's carrier rating. Provide verification that the appropriate ratings for this insurance company have been documented. | Please see attached Insurer's Carrier Rating. | Document provided is sufficient. Exception resolved.; Hazard Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/06/2024 | D A |
| XXX | XXXXX | 304383820 | FCRE8611 | 09/06/2024 | Credit | Income/Employment | Income/Employment General | The monthly qualifying income includes distributions from the borrower's XXX IRA account. The lender guidelines indicate when distributions from an IRA account are used as income, proof of a three-year continuance is needed. The income was documented by providing a XXX 1099R verifying distributions through the year; however, a three-year continuance was not documented. Provide verification that this source of income meets the required continuance requirements. | Please see attached Proof of XXX-yr continuance. | Received evidence of income continuance. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/06/2024 | C A |
| XXX | XXXXX | 304383820 | FVAL3825 | 09/06/2024 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. FEMA.gov reflects a current, ongoing disaster for the State of XXX listed as FERMA-XXX-DR as of XX/XX/XXXX. The Property Condition Inspection was completed on XX/XX/XXXX. The county of XXX is included in the list designated counties for Individual Assistance. Provide a Post Disaster Inspection reflecting the subject property has sustained no damage. | Please see attached Post Disaster Inspection report. | Property Inspection Provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/06/2024 | C A |
| XXX | XXXXX | 304383607 | FCOM8997 | 09/12/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 09/12/2024 | A |
| XXX | XXXXX | 304383607 | FCRE1316 | 09/06/2024 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | VVOE | Received missing third party VOE for the borrower. Exception resolved. ; Borrower 1 3rd Party VOE Prior to Close Was Provided | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 09/06/2024 | D A |
| XXX | XXXXX | 304383384 | FCOM8997 | 03/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304383384 | FVAL3825 | 03/06/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. - Disaster-XXX XXX and XXX, declared on XX/XX/XXXX, but occurred on XX/XX/XXXX-XX/XX/XXXX, which was after the proper condition Inspection dated XX/XX/XXXX with no evidence of a post-disaster inspection completed to verify damages if any. |  | Property Inspection Provided.; Evidence provided that subject property was not located in impacted area. Condition cleared. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/06/2025 | C A |
| XXX | XXXXX | 304383274 | finding-3352 | 09/09/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/09/2024 | A |
| XXX | XXXXX | 304383274 | FCRE1347 | 09/10/2024 | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Missing VVOE for Borrower 2 employment at XXX of XXX. | XXX VVOE | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/10/2024 | D A |
| XXX | XXXXX | 304497314 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497314 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497313 | FCOM1265 | 01/29/2025 | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Non-Borrower Title Holder Did Not Receive Right of Rescission Form Non-Borrower Title Holder Did Not sign the Right of Rescission Form (pg. XXX). | XXX signed docs | Non-Borrower Title Holder Received Right of Rescission Form | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | C A |
| XXX | XXXXX | 304497313 | finding-3352 | 01/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497313 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497312 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497312 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497311 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497311 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497310 | finding-3430 | 01/29/2025 | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XXX CFR §XXX(b) (XXX) , (e) (XXX)) This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497310 | FCRE8999 | 01/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304497309 | finding-47 | 01/31/2025 | Compliance | Right to Rescind | TILA Right of Rescission Test | This loan failed the TILA right of rescission test.Closed-end (XXX CFR §XXX(a) (XXX) , transferred from XXX CFR §XXX(a) (XXX)) , Open-end (XXX CFR §XXX(a) (XXX) , transferred from XXX CFR §XXX(a) (XXX)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XXX CFR §1026.23 or §XXX, or delivery of all material disclosures, whichever occurs last. Documentation required to clear exception. The funding date is before the third business day following consummation, documentation of actual Disbursement date required. Final CD reflects a funding date of XX/XX/XXXX, the same as the consummation date. Right to cancel expires on XX/XX/XXXX. Funds can not disburse before or on XX/XX/XXXX. | Please see uploaded Final CD. Disbursement date is XX/XX/XXXX | PCCD with updated disbursement date provided; Exception resolved; PCCD with updated disbursement date provided; Exception resolved | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | C A |
| XXX | XXXXX | 304497309 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304497307 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497307 | FCRE1440 | 02/04/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements per credit report the first lien on the subject property has balloon note that is due XX/XX/XXXX. Per guidelines balloon notes on the 1st lien are considered as ineligible first lien | Please see attached | Documentation provided is sufficient. Exception resolved.; Housing History Meets Guideline Requirements | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | C A |
| XXX | XXXXX | 304497305 | FCOM8997 | 01/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304497305 | FCRE8999 | 01/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497302 | finding-3352 | 02/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304497302 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497301 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | No Compliance Findings. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497301 | FCOM1221 | 02/03/2025 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Page XXX of MultiState XXX Rider is missing. | Please see attached Complete Mortgage. | Documentation provided is sufficient. Exception resolved.; The Deed of Trust is Present and Complete | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | D A |
| XXX | XXXXX | 304497301 | FCRE7496 | 02/03/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing the verification of $XXX per month HOA Dues. | Please see attached Verification of HOA dues. | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | D A |
| XXX | XXXXX | 304497300 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497300 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304497298 | FCOM8997 | 02/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304497298 | FCRE8999 | 02/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304497297 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | No Compliance Findings. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497297 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497296 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497296 | FCRE6019 | 01/30/2025 | Credit | Missing Doc - Credit | Borrower 1 citizenship Documentation not provided | Borrower 1 citizenship Documentation Is Missing Copy USA Patriot Act Disclosure is missing. | Please review this condition, The Patriot Act Form for the Non borrowing XXX is not required. Please clear. | Borrower 1 citizenship Documentation Provided or Not Required | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | D A |
| XXX | XXXXX | 304497295 | FCOM8997 | 01/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304497295 | FCRE8999 | 01/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304497294 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | No Compliance Findings. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497294 | FCRE6914 | 02/01/2025 | Credit | Missing Doc - Credit | Borrower 2 citizenship Documentation not provided | Borrower 2 citizenship Documentation Is Missing No evidence of an executed USA Patriot Act Disclosure. | Please see attached executed USA Patriot Act Disclosure for B2. | Documentation provided is sufficient. Exception resolved.; Borrower 2 citizenship Documentation Provided or Not Required | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/01/2025 | D A |
| XXX | XXXXX | 304497294 | FCRE1347 | 02/01/2025 | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE Prior to Close Missing | Please see attached VOE for B2. | Documentation provided is sufficient. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/01/2025 | D A |
| XXX | XXXXX | 304497294 | FCRE6019 | 02/01/2025 | Credit | Missing Doc - Credit | Borrower 1 citizenship Documentation not provided | Borrower 1 citizenship Documentation Is Missing No evidence of an executed USA Patriot Act Disclosure. | Please see attached executed USA Patriot Act Disclosure for B1. | Documentation provided is sufficient. Exception resolved.; Borrower 1 citizenship Documentation Provided or Not Required | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/01/2025 | D A |
| XXX | XXXXX | 304497292 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497292 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497290 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497290 | FCRE1201 | 02/06/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Attached. | Documentation provided is sufficient. Exception resolved.; Third Party Fraud Report is provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | D A |
| XXX | XXXXX | 304497289 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497289 | FCRE1328 | 02/04/2025 | Credit | Missing Doc | Borrower 1 W2/XXX Missing | Borrower 1 W2/XXX Missing. | B1 W2s | Documentation provided is sufficient. Exception resolved.; Borrower 1 W2/XXX Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304497289 | FCRE1360 | 02/04/2025 | Credit | Missing Doc | Borrower 2 Paystubs Missing | Borrower 2 Paystubs Missing | B2 Paystubs | Documentation provided is sufficient. Exception resolved.; Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals XXX) | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304497289 | FCRE1358 | 02/04/2025 | Credit | Missing Doc | Borrower 2 W2/XXX Missing | Borrower 2 W2/XXX Missing. | B2 W-2s | Documentation provided is sufficient. Exception resolved.; Borrower 2 W2/XXX Provided or Not Applicable (Number of Borrowers equals XXX) | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304497288 | FCOM8997 | 02/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304497288 | FCRE8999 | 02/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304497286 | FCOM8997 | 02/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497286 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497284 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304497284 | FCRE7497 | 02/14/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of Hazard Insurance on property XXX | This is a commercial property that the bwr uses for her pet grooming business. | Explanation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | D A |
| XXX | XXXXX | 304497283 | FCOM8997 | 01/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497283 | FCRE8999 | 01/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304497282 | finding-3352 | 02/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497282 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497280 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497280 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497279 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497279 | FCRE1366 | 02/03/2025 | Credit | Missing Doc | Borrower 2 Award Letter Missing | Borrower 2 Award Letter Missing Borrower 2 Award Letter Missing | Please see attached Award Letter for Borrower 2. | Documentation provided is sufficient. Exception resolved.; Borrower 2 Award Letter Provided or Not Applicable (Number of Borrowers equals XXX) | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/03/2025 | D A |
| XXX | XXXXX | 304497279 | FCRE7496 | 02/05/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing the subject property documented proof of the HOA monthly assessment amount of $XXX. | Please see attached Verification of HOA Dues. | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | D A |
| XXX | XXXXX | 304497278 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497278 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497277 | finding-3352 | 01/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497277 | FCRE8999 | 01/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497275 | FCOM8997 | 02/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304497275 | FCRE4963 | 02/09/2025 | Credit | Debt | No evidence of required debt payoff | Missing current account Statements for XXX #XXX, XXX #XXX, XXX #XXX, XXX #XXX, XXX #XXX, XXX #XXX, XXX #XXX, XXX #XXX and XXX #XXX. All the liabilities Stated above were paid off at closing, however current account Statements are not in file. | Please see Credit Report reflecting debts paid off at close | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/09/2025 | C A |
| XXX | XXXXX | 304497274 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304497274 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304497273 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497273 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497272 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497272 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497271 | finding-3352 | 01/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497271 | FCRE8999 | 01/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304497268 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497268 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497265 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497265 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497264 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497264 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497263 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497263 | FCRE3978 | 02/12/2025 | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Borrower need to explain why her name shows on the mortgage Statement for property XXX. XXX per Letters of explanation on file, borrower does not claim ownership. Mortgage loan is on borrower's credit report. Evidence borrower does is not responsible, but obtaining evidence other party has paid payments for the past XXX-months is required to exclude from DTI. | Please see attached | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | D A |
| XXX | XXXXX | 304497261 | FCOM8997 | 01/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497261 | FCRE1151 | 01/29/2025 | Credit | Title | Satisfactory Chain of Title not Provided | Unsatisfactory Chain of Title provided Title work does not show an accurate chain of title and when the borrower/applicant had originally purchased the property. | This is a CES loan. PLease see attached Property Report. | Documentation provided is sufficient. Exception resolved.; Satisfactory Chain of Title has been provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | C A |
| XXX | XXXXX | 304497257 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497257 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497256 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497256 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497255 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497255 | FCRE7496 | 02/05/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal Summary reflects borrower pays $XXX HOA Dues, but missing verification of the HOA Dues. | Please see attached Verification of HOA Dues. | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | D A |
| XXX | XXXXX | 304497254 | FCOM8997 | 01/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304497254 | FCRE5770 | 01/28/2025 | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Only page XXX of XXX was provided for review. | Full Credit Report attached. | Borrower 1 Credit Report is not missing. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/28/2025 | D A |
| XXX | XXXXX | 304497253 | FCOM8997 | 02/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497253 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497251 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497251 | FCRE1324 | 02/10/2025 | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Borrower 1 Tax Returns Not Signed Borrower 1 Tax Returns Not Signed | copy of signed tax returns | Documentation provided is sufficient. Exception resolved.; Borrower 1 Tax Returns Are Signed | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | C A |
| XXX | XXXXX | 304497251 | FCRE7496 | 02/11/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal Summary in loan file reflects borrower is responsible for $XXX monthly HOA Dues. However, no evidence of supporting documents in loan file verifying these HOA dues on subject property. | copy of HOA coupon | Documentation provided is sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | D A |
| XXX | XXXXX | 304497250 | finding-3352 | 03/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304497250 | FCRE8999 | 03/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304497248 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497248 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497246 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497246 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497244 | FCOM8997 | 01/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497244 | FCRE8999 | 01/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497243 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497243 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497241 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497241 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497232 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497232 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497231 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497231 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497228 | finding-3352 | 01/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497228 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497226 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497226 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497225 | FCOM8997 | 01/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497225 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497224 | FCOM8997 | 02/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304497224 | FCRE7496 | 02/10/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | According to XXX Transmittal Summary the borrower pay $XXX per month in HOA Dues. However, missing supporting documents to verify these dues. | HOA documentation | Documentation provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/10/2025 | D A |
| XXX | XXXXX | 304497222 | finding-3352 | 01/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497222 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497221 | FCOM8997 | 01/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497221 | FCRE8999 | 01/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497220 | FCOM8997 | 02/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304497220 | FCRE8999 | 02/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304497218 | FCOM8997 | 01/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497218 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497216 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497216 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497210 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497210 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497209 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497209 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497208 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497208 | FCRE8999 | 01/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497205 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497205 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304497204 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497204 | FCRE7496 | 01/31/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal Summary in loan file reflects HOA dues of $XXX per month because subject property is a PUD. However, missing documentation to verify HOA Dues. | Please see attached documentation to verify HOA dues. | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | D A |
| XXX | XXXXX | 304497203 | FCOM8997 | 01/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497203 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497199 | FCOM8997 | 01/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497199 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497197 | finding-3352 | 01/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497197 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497195 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497195 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497194 | finding-3352 | 02/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304497194 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304497192 | FCOM8997 | 02/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304497192 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497191 | FCOM8997 | 02/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497191 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497190 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497190 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497189 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497189 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497186 | FCOM8997 | 02/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304497186 | FCRE8999 | 02/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/08/2025 | A |
| XXX | XXXXX | 304497182 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Two year work history requirement met \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497182 | FCRE8999 | 02/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Two year work history requirement met \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/02/2025 | A |
| XXX | XXXXX | 304497180 | finding-3352 | 02/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497180 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497179 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497179 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497177 | finding-3352 | 01/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497177 | FCRE8999 | 01/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304497175 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497175 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497174 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497174 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497172 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497172 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497171 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497171 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497169 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497169 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304497167 | FCOM1544 | 02/06/2025 | Compliance | Missing Doc | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure. The file is missing the Final CD. Compliance will be tested upon receipt. Additional conditions may apply. | Please see attached Final CD. | TRID: Final Closing Disclosure Provided | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/06/2025 | D A |
| XXX | XXXXX | 304497167 | FCRE1316 | 02/07/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing XX/XX/XXXX. Missing verbal VOE within XXX business days of the | Please see attached VOEs | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | D A |
| XXX | XXXXX | 304497165 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497165 | FCRE1328 | 01/30/2025 | Credit | Missing Doc | Borrower 1 W2/XXX Missing | Borrower 1 W2/XXX Missing. Missing the XXX for Pension to support income of $XXX for Borrower 1. | XXX | Documentation provided is sufficient. Exception resolved.; Borrower 1 W2/XXX Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/30/2025 | D A |
| XXX | XXXXX | 304497165 | FCRE1193 | 01/30/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Discrepancy due to not including Pension Income of $XXX for Borrower 1, as documents to verify Pension are missing. Therefore, DTI is over maximum as total income verified is $XXX, not $XXX. | XXX, DTI acceptable | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/30/2025 | C A |
| XXX | XXXXX | 304497163 | FCOM8997 | 02/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304497163 | FCRE5774 | 02/10/2025 | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing payoff disbursement letter with creditors and balances listed in closing package, executed by the borrower. Disbursement letter is not executed by the borrower. Required per lender guidelines. | Please see attached. | Documentation provided is sufficient. Exception resolved.; Borrower 1 Credit Report is not partially present. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/10/2025 | C A |
| XXX | XXXXX | 304497162 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497162 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497159 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497159 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497158 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497158 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304497152 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497152 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497151 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497151 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497150 | FCOM8997 | 02/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304497150 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304497149 | FCOM8997 | 02/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497149 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497148 | finding-3352 | 02/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497148 | finding-2962 | 02/05/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497148 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497147 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497147 | FCRE7496 | 02/05/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Monthly HOA Due discrepancy. Supporting docs in the loan file which reflects $XXX per month but lender utilized $XXX per month. | HOA billing Statement attached showing $XXX per month and has a rolling history | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/05/2025 | D A |
| XXX | XXXXX | 304497146 | FCOM8997 | 02/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304497146 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497145 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304497145 | FCRE6019 | 02/13/2025 | Credit | Missing Doc - Credit | Borrower 1 citizenship Documentation not provided | Borrower 1 citizenship Documentation Is Missing Borrower Identification and or the USA Patriot Act form is missing from loan file. | Pat Act | Borrower 1 citizenship Documentation Provided or Not Required. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | D A |
| XXX | XXXXX | 304497145 | FCRE7810 | 02/13/2025 | Credit | Title | Title issue | There is a private residential mortgage on the O&E report from XX/XX/XXXX for $XXX. This mortgage requires a satisfaction of mortgage to ensure the new CES 2nd mortgage is in 2nd lien position. If this is still an open mortgage then the subject loan cannot be approved as it would be in 3rd lien position which is not approvable under lender guidelines. | mtg release | Mortgage Release provided. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | C A |
| XXX | XXXXX | 304497143 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497143 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497141 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497141 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304497138 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304497138 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304497137 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | No Compliance Findings. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497137 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304497134 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497134 | FCRE7496 | 02/01/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing verification of MI monthly payment. According to the loan approval in file, the borrower pays a monthly MI is $XXX. This MI payment was not reflected on the 1st lien mortgage Statement and no evidence in file this was verified. | The current first lien is a FHA so the monthly MIP is included in the escrow payment of $XXX although it is not broken out on the mortgage Statement. The refi authorization from FHA shows the original UFMIP was $XXX so the original base LA was $XXX - $XXX original UFMIP (dropped cents of $.XXX) = $XXX base LA. Per the internet, the monthly MIP factor in XXX was.XXX or $XXX = $XXX per month. The escrow payment on the mortgage Statement may include a shortage but it is very close to the current escrow amounts of: Tax $XXX + hazard $XXX + estimated monthly MIP $XXX = $XXX and mortgage Statement has escrow portion as $XXX. The exact amount of the monthly MIP is not material to the qualifying as long as the total first lien payment is included. | Explanation provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/01/2025 | D A |
| XXX | XXXXX | 304497131 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497131 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497130 | finding-3352 | 02/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497130 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497129 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497129 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497127 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304497127 | FCRE7496 | 02/14/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing supporting documentation to verify monthly HOA payment of $XXX per form 1008 for subject property. | HOA DUES | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | D A |
| XXX | XXXXX | 304497126 | FCOM8997 | 02/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304497126 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497123 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497123 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497122 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497122 | FCRE7497 | 02/07/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation to support monthly payment of $XXX for other REO at XXX. | other property info | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | D A |
| XXX | XXXXX | 304497120 | finding-3352 | 02/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497120 | finding-2962 | 02/04/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497120 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497119 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497119 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497117 | FCOM8997 | 02/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304497117 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497115 | finding-3352 | 02/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497115 | FCRE1173 | 02/05/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy - The subject property is a condo, which requires HOA Master Insurance Policy for building coverage. | Please see borrower HOI. Property is Detached Condo - HOI shows covering structure. | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/05/2025 | D A |
| XXX | XXXXX | 304497115 | FCRE1317 | 02/06/2025 | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than XXX Months | Borrower 1 Total Years Employment Verified is Less Than XXX Months - Missing verification of XXX years employment history required by Guidelines. The last employment verified from XXX terminated in XX/XX/XXXX per WVOE and current employment commenced on XX/XX/XXXX. According to Final 1003, the Borrower worked with XXX. during the gap between the termination date and commence date of current and prior employers and is supported by a W-XXX in the loan file but missing VVOE for XXX. | Please see attached tax transcripts; XXX employees are contractual employees. Would a tax transcript suffice? | Borrower 1 Total Years Employment Verified is Greater Than or Equal To XXX Months or Not Applicable (Borrower 1 Employment Status is Employed) ; Please send the transcript for the XXX income. Exception remains. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | C A |
| XXX | XXXXX | 304497114 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497114 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497113 | finding-3352 | 02/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304497113 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304497112 | FCOM8997 | 02/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304497112 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497109 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497109 | FCRE1162 | 02/04/2025 | Credit | Missing Doc | Flood Certificate Partially Provided | Flood Certificate is Partially Provided The flood certificate in file has the incorrect address. | Please see attached | Documentation provided is sufficient. Exception resolved.; Flood Certificate is fully present | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304497107 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497107 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304497106 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497106 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497104 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304497104 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304497103 | finding-3352 | 02/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304497103 | finding-2962 | 02/09/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304497103 | FCRE7496 | 02/10/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal Summary in file reflects borrower is responsible for $XXX monthly HOA dues. However, there is no evidence of documentation in the loan file verifying HOA dues. | Please see attached HOA dues information. | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/10/2025 | D A |
| XXX | XXXXX | 304497096 | finding-3352 | 02/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497096 | FCRE1316 | 02/06/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing - The VVOE in the loan file was signed as XX/XX/XXXX and a possible typo because loan closed XX/XX/XXXX. Therefore, a VVOE is required that is dated XXX business days prior to closing. | Attached updated WVOE | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/06/2025 | D A |
| XXX | XXXXX | 304497094 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497094 | FCRE8999 | 02/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/02/2025 | A |
| XXX | XXXXX | 304497092 | FCOM8997 | 02/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497092 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497090 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497090 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304497089 | finding-3352 | 02/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304497089 | FCRE8999 | 02/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/08/2025 | A |
| XXX | XXXXX | 304497087 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497087 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497086 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497086 | FCRE1177 | 02/05/2025 | Credit | Insurance | HO6 Insurance Policy Expiration Date is before the | HO-XXX Insurance Policy Expiration Date of XX/XX/XXXX is prior to the of XX/XX/XXXX Both XXX Earthquake Policy and H03 Policy expired XX/XX/XXXX. Policy renewal required. | HO6 updated. Earthquake insurance was not renewed. Ty!; HO3 will expire XX/XX/XXXX. No renewal required at this time. Ty! | Documentation provided is sufficient. Exception resolved.; HO-XXX Insurance Policy Expiration Date of XX/XX/XXXX is equal to or after the of XX/XX/XXXX Or HO-XXX Insurance Policy Expiration Date Is Not Provided; The Master HOA policy is effective until XX/XX/XXXX. The individual policy for the Borrower expired XX/XX/XXXX. Need the updated individual policy showing current effective dates. Exception remains. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | C A |
| XXX | XXXXX | 304497085 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497085 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497084 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497084 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497083 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497083 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497081 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497081 | finding-2962 | 02/03/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497081 | FCRE8999 | 02/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/02/2025 | A |
| XXX | XXXXX | 304497080 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497080 | FCRE1193 | 01/31/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The final loan application indicates the XXX account with a monthly payment of $XXX was to be paid off at or before closing. There was no evidence of this payoff. Debt included in total DTI, which is the cause of the DTI go over maximum allowed. | Hello, \| \| Please see attached Settlement Statement \| \| Thank you, | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | C A |
| XXX | XXXXX | 304497080 | FPRO1242 | 01/31/2025 | Credit | Missing Doc | Appraisal is Missing | Appraisal is Missing. There was no appraisal nor AVM in file. | Hello, \| \| Please see the attached AVM \| \| Thank you, | Documentation provided is sufficient. Exception resolved.; Appraisal is Present or is Waived | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | D A |
| XXX | XXXXX | 304497080 | FVAL9739 | 01/31/2025 | Credit | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: If an AVM is being utilized for value, a property condition report is required. The PCR is missing. | Hello, \| \| Please see attached PCR Report \| \| Thank you, | Documentation provided is sufficient. Exception resolved.; Property/Appraisal Meets Guidelines | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | C A |
| XXX | XXXXX | 304497079 | finding-3352 | 02/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304497079 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497078 | FCOM8997 | 02/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497078 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497076 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497076 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304497074 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497074 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497070 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497070 | FCOM8972 | 02/10/2025 | Credit | Missing Doc | Missing Deed of Trust Riders | Missing page XXX of the MERS Rider. All pages of the MERS Rider are required. | Hello,, \| \| Please see attached DOT with all pages \| \| Thank you, | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | D A |
| XXX | XXXXX | 304497069 | finding-3352 | 02/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497069 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497066 | finding-3352 | 02/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497066 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304497065 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304497065 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304497064 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497064 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497062 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497062 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497061 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497061 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497059 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497059 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497058 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497058 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497057 | FCOM8997 | 02/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497057 | FCRE8999 | 02/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/08/2025 | A |
| XXX | XXXXX | 304497054 | FCOM8997 | 02/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304497054 | FCRE8999 | 02/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304497053 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497053 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497052 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497052 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304497051 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497051 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497049 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497049 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497046 | FCOM8997 | 02/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304497046 | FCRE1146 | 02/10/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present - Title policy document is corrupt and illegible. | Title | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/10/2025 | D A |
| XXX | XXXXX | 304497043 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497043 | FCRE8999 | 02/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/02/2025 | A |
| XXX | XXXXX | 304497041 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304497041 | FCRE1726 | 02/14/2025 | Credit | Borrower | Potential Identity Issues identified in the file | Missing executed USA Patriot Act Disclosure Form. | USA Patriot Act Disclosure | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | C A |
| XXX | XXXXX | 304497041 | FCRE3653 | 02/14/2025 | Credit | Missing Doc | Missing letter of explanation | Borrower has multiples variations of her name through the loan file, we need clarification of what the legal name it should be. | letter of explanation | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | D A |
| XXX | XXXXX | 304497040 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497040 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497039 | finding-3352 | 02/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497039 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304497035 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304497035 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497033 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497033 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497032 | FCOM8997 | 02/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304497032 | FCRE1146 | 02/07/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present Title is corrupted and not legible. | Please see attached. | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | D A |
| XXX | XXXXX | 304497031 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497031 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497028 | finding-3352 | 02/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497028 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497027 | FCOM1265 | 02/13/2025 | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Non-Borrower Title Holder Did Not Receive Right of Rescission Form Right of Rescission form for the Non-Borrower title holder was not executed. | Please see attached non-borrower executed RTC. | Non-Borrower Title Holder Received Right of Rescission Form | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/13/2025 | C A |
| XXX | XXXXX | 304497027 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304497025 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304497025 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304497023 | finding-3352 | 02/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497023 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304497020 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497020 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304497018 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | No Compliance Findings. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497018 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497016 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497016 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304497015 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant. Exception downgraded. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497015 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497014 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497014 | FCRE1146 | 02/04/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present The first page of the Title policy is not legible. | Please see attached Title report. | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304497012 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497012 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497011 | finding-3352 | 02/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497011 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304497009 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304497009 | FCRE1146 | 02/04/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present Title Document is corrupted and partially legible. | please see attached. | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304497009 | FCRE9549 | 02/02/2025 | Credit | Missing Doc | Missing Credit Report Supplement | The Final 1003 reflects the borrower has a Revolving debt with Upgrade XXX with a balance of $XXX. This account is not listed on credit report and per loan approval the borrower is to provide a Statement to verify this account. However, there is no evidence of this State in the loan file. A credit supplement or Statement to verify this account required. | Please see attached. | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/02/2025 | D A |
| XXX | XXXXX | 304497007 | finding-3352 | 02/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497007 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497006 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497006 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497005 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497005 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304497004 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304497004 | FPRO1245 | 02/13/2025 | Credit | Appraisal | Appraisal is Expired | Primary Value Appraisal is Expired The appraisal in file effective date XX/XX/XXXX. The application date is XX/XX/XXXX and no evidence of an appraisal update completed. | Please see attached | Documentation provided is sufficient. Guidelines require an appraisal dated within XXX days. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/13/2025 | C A |
| XXX | XXXXX | 304497003 | finding-3352 | 02/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497003 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304497002 | FCOM8997 | 02/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304497002 | FCRE6019 | 02/06/2025 | Credit | Missing Doc - Credit | Borrower 1 citizenship Documentation not provided | Borrower 1 citizenship Documentation Is Missing USA Patriot Act Disclosure with ID information missing. | See attached with ID INFO included. | Documentation provided is sufficient. Exception resolved.; Borrower 1 citizenship Documentation Provided or Not Required | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | D A |
| XXX | XXXXX | 304496999 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496999 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496998 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496998 | FCRE1146 | 02/04/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present Title Report is corrupted and partially legible. | Please see attached; Please see attached title report sent straight form title. It is only two pages. | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present; Document provided is not the Title document. Please provide the Title document. Exception remains. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304496997 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant. Exception downgraded. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496997 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496996 | FCOM8997 | 02/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304496996 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496995 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496995 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496993 | finding-3352 | 02/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304496993 | FCRE8999 | 02/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304496992 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496992 | FCRE7496 | 02/11/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Documentation of $XXX HOA fee for Retreat at XXX is missing. | Please see attached Verification of monthly HOA dues. | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | D A |
| XXX | XXXXX | 304496990 | finding-3352 | 01/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304496990 | FCRE8999 | 01/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304496987 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496987 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496986 | finding-3352 | 01/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496986 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496985 | finding-3352 | 02/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496985 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304496984 | finding-2838 | 02/10/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report.While the XXX HOEPA Higher-Priced Mortgage Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496984 | finding-3352 | 02/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496984 | FCRE6019 | 02/08/2025 | Credit | Missing Doc - Credit | Borrower 1 citizenship Documentation not provided | Borrower 1 citizenship Documentation Is Missing USA Patriot Act Disclosure required. | Hello, please see attached USA Patriot Act Disclosure for borrower. | Documentation provided is sufficient. Exception resolved.; Borrower 1 citizenship Documentation Provided or Not Required | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/08/2025 | D A |
| XXX | XXXXX | 304496983 | finding-3352 | 02/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304496983 | FCOM1208 | 02/06/2025 | Credit | Missing Doc | The Note is Incomplete | The Note is Incomplete Missing page of XXX of note. | Note All XXX pages | Documentation provided is sufficient. Exception resolved.; The Note is Present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | D A |
| XXX | XXXXX | 304496982 | finding-3352 | 02/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304496982 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304496981 | FCOM8997 | 02/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496981 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496978 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496978 | FCRE1316 | 02/12/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | voe | Borrower 1 3rd Party VOE Prior to Close Was Provided. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | D A |
| XXX | XXXXX | 304496977 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | No Compliance Findings. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496977 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496976 | finding-3352 | 02/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496976 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496975 | finding-3352 | 02/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304496975 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304496974 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496974 | FVAL3825 | 02/08/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Subject property county is under individual assistance from XXX and XXX (XXX). | DAIR REPORT dated XX/XX/XXXX | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/08/2025 | C A |
| XXX | XXXXX | 304496973 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496973 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496970 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496970 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496969 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496969 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496968 | finding-3352 | 02/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496968 | FCRE1146 | 02/10/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present The Title policy is illegible. | See attached property report | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/10/2025 | D A |
| XXX | XXXXX | 304496962 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496962 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304496960 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496960 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496959 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496959 | FCRE1316 | 02/01/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The VVOE in file is dated XX/XX/XXXX and XX/XX/XXXX, which is XXX business days prior to closing. The VVOE is required to be completed within XXX business days. | Please see attached re-verified VOE. | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/01/2025 | D A |
| XXX | XXXXX | 304496958 | finding-2962 | 01/31/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496958 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496958 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496956 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496956 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304496954 | FCOM8997 | 02/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496954 | FCRE8999 | 02/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/08/2025 | A |
| XXX | XXXXX | 304496950 | finding-3352 | 02/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304496950 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496949 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496949 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496948 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496948 | FCRE1324 | 02/12/2025 | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Borrower 1 Tax Returns Not Signed Lender guidelines that require tax returns provided for income qualifying, that they must be signed. | Please see attached Resolution. Per docs in the file, the borrowers personal and business tax returns for XXX & XXX were filed and signed electronically by the borrower with the tax preparer and submitted to IRS. An actual signature on these is not required. | Documentation provided is sufficient. Exception resolved.; Borrower 1 Tax Returns Are Signed | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/12/2025 | C A |
| XXX | XXXXX | 304496945 | finding-3352 | 02/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496945 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496943 | finding-3352 | 01/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496943 | finding-2962 | 01/30/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496943 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496942 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496942 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496940 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496940 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496938 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | No Compliance Findings. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496938 | FCRE8999 | 02/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/02/2025 | A |
| XXX | XXXXX | 304496935 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496935 | FCRE7009 | 02/13/2025 | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of $XXX is less than required coverage required The Hazard Insurance coverage of $XXX is less than the XXX% of the replacement cost of $XXX (XXX% \*$XXX = $XXX) | Hello, \| the Underwriter uploaded this replacement cost estimator, This displays sufficient coverage. Please advise. Thanks! :) \| | Hazard Insurance coverage meets guideline requirement; Collateral value is $XXX. Hazard insurance coverage of $XXX is sufficient. Condition cleared.; The guidelines require at least XXX% coverage of the replacement cost, which is $XXX per the estimator provided. This would be $XXX. The coverage is currently $XXX. Exception remains. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | C A |
| XXX | XXXXX | 304496933 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496933 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496932 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496932 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496930 | finding-3352 | 02/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496930 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496929 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant. Exception downgraded. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496929 | FCRE7496 | 02/06/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | A processor cert in the loan file States that the processor certified the HOA Dues on property XXX is $XXX per month. However, a processor certification is insufficient and cannot be used as supporting document. Therefore, an HOA Statement to verify the monthly HOA Dues is required. | Please see attached HOA Statement confirming $XXX HOA Dues. | Documentation provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | D A |
| XXX | XXXXX | 304496928 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496928 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496927 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496927 | FVAL3825 | 01/30/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Disaster - XXX-XXX, declared on XX/XX/XXXX, but occurred on XX/XX/XXXX, which is after the Property Condition Report dated XX/XX/XXXX and no evidence of a post-disaster inspection completed to verify damages if any. | DAIR | Property Inspection Provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | C A |
| XXX | XXXXX | 304496926 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496926 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496925 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496925 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496924 | finding-3352 | 02/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496924 | FCRE7496 | 02/04/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing HOA Statement for the subject property at XXX. | Please see attached Verification of HOA Dues. | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304496923 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496923 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496921 | FCOM8997 | 02/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496921 | FCRE1146 | 02/08/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present Title is corrupted and not legible. | Title Docs attached are all that are required for CES loans | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/08/2025 | D A |
| XXX | XXXXX | 304496919 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496919 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496918 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496918 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496917 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496917 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496915 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496915 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304496914 | finding-3352 | 01/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304496914 | FCRE8999 | 01/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304496912 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496912 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496910 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496910 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496909 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496909 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496908 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496908 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496903 | FCOM8997 | 02/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496903 | FCRE1146 | 02/10/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present Title is corrupted and not legible. | Title docs attached are the only required docs for CES loans | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/10/2025 | D A |
| XXX | XXXXX | 304496902 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496902 | FCRE8999 | 02/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/02/2025 | A |
| XXX | XXXXX | 304496900 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496900 | FCRE1146 | 02/01/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present The Title Report is corrupted and illegible. Need legible copy. | copy of title report | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/01/2025 | D A |
| XXX | XXXXX | 304496899 | finding-3352 | 02/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496899 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496897 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Two year work history guideline requirement has been met | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496897 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Two year work history guideline requirement has been met | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496896 | finding-3352 | 02/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304496896 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496895 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496895 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496891 | finding-3352 | 02/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304496891 | finding-47 | 02/09/2025 | Compliance | Right to Rescind | TILA Right of Rescission Test | This loan failed the TILA right of rescission test.Closed-end (XXX CFR §XXX(a) (XXX) , transferred from XXX CFR §XXX(a) (XXX)) , Open-end (XXX CFR §XXX(a) (XXX) , transferred from XXX CFR §XXX(a) (XXX)) The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XXX CFR ##XXX##r §XXX, or delivery of all material disclosures, whichever occurs last. Documentation Required: ROR expires on XX/XX/XXXX and Final CD has a disbursement date of XX/XX/XXXX. Disbursement can not occur before ROR expires. Please provide proof that disbursement date was after XX/XX/XXXX | Final CD reflecting disbursement date XX/XX/XXXX | Received cope of PCCD dated XX/XX/XXXX- with corrected disbursement date for testing. Exception resolved.; Received cope of PCCD dated XX/XX/XXXX- with corrected disbursement date for testing. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/09/2025 | C A |
| XXX | XXXXX | 304496891 | FCRE8999 | 02/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304496889 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496889 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496888 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496888 | FCRE1146 | 02/10/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present Many sections of the report are illegible. | This condition was cleared on XX/XX/XXXX. This is a CES loan. Please see attached Ownership & Encumbrance Report. | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/10/2025 | D A |
| XXX | XXXXX | 304496887 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496887 | FCOM3591 | 02/05/2025 | Credit | Missing Doc | Taxpayer First Act Disclosure is Not Executed | Taxpayer Consent Form is not signed. | Please see attached executed Taxpayer Consent Form. | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/05/2025 | B A |
| XXX | XXXXX | 304496886 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496886 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496884 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496884 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496883 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496883 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496882 | finding-3352 | 02/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304496882 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496881 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496881 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496877 | finding-3352 | 02/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496877 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496876 | FCOM8997 | 02/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496876 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496873 | finding-3352 | 02/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304496873 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304496872 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. Exception downgraded. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496872 | FCRE8999 | 02/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/02/2025 | A |
| XXX | XXXXX | 304496870 | FCOM1869 | 01/29/2025 | Compliance | Closing | Closing Disclosure is Not Executed | The closing disclosure is not executed by the co-borrower. | Please see attached executed CD. | Executed CD provided; Exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | B A |
| XXX | XXXXX | 304496870 | finding-3352 | 01/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304496870 | FCRE8999 | 01/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304496869 | finding-3352 | 02/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496869 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496868 | finding-3352 | 02/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496868 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496866 | finding-3352 | 02/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496866 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496865 | finding-3352 | 01/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496865 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496864 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496864 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496863 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | No Compliance Findings. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496863 | FCRE1146 | 02/04/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present Title Report is corrupted and partially legible. | Please see attached Legible Title Documentation. | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304496861 | FCOM8997 | 02/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/08/2025 | A |
| XXX | XXXXX | 304496861 | FCRE8999 | 02/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/08/2025 | A |
| XXX | XXXXX | 304496860 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496860 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496859 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496859 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496858 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496858 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496857 | FCOM8997 | 02/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496857 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496856 | FCOM8997 | 01/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304496856 | FCRE8999 | 01/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304496853 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496853 | FCRE1437 | 02/03/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines - Borrower's current employment commenced on XX/XX/XXXX (XXX months from the) and previous employment is from XX/XX/XXXX to XX/XX/XXXX (XXX years XXX months) per WVOE. There is an employment gap between XX/XX/XXXX to XX/XX/XXXX, which is over a year with no letter of explanation as required by Fannie Mae seller's Guide. | XXX years W2s from previous teaching job that ended XX/XX/XXXX were in the original upload. Please advise why XXX years W2s for previous job not being accepted. thanks | Explanation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | C A |
| XXX | XXXXX | 304496851 | finding-3352 | 02/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496851 | finding-2962 | 02/05/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496851 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496850 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496850 | FCRE1146 | 02/04/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present Title Document is corrupt and not legible. Need legible copy of the Title Report. | Please see attached Legible Title Document. | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304496849 | FCOM8997 | 01/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304496849 | FCRE8999 | 01/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304496848 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496848 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496847 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496847 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496846 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496846 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496843 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496843 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496841 | finding-3352 | 02/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496841 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496840 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496840 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496839 | finding-3352 | 01/30/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496839 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496836 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496836 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496835 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496835 | FCOM1221 | 02/07/2025 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The notary date on the mortgage is only reflects month and year XX/XX/XXXX, which is not proper. The mortgage is required to have a full date (month/day/year) to determine when borrower signed documents at closing. Otherwise required timeframes cannot be calculated. | Recorded DOT with correction completed | Documentation provided is sufficient. Exception resolved.; The Deed of Trust is Present and Complete | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/07/2025 | D A |
| XXX | XXXXX | 304496834 | finding-3352 | 02/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496834 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496833 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | No Compliance Findings. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496833 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496832 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | No Compliance Findings. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496832 | FCOM1232 | 02/04/2025 | Credit | Missing Doc | The Final 1003 is Missing | The Final 1003 is Missing | Please see attached. | Documentation provided is sufficient. Exception resolved.; The Final 1003 is Present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304496832 | FCRE1437 | 02/04/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Borrower was qualified utilizing XXX/retirement income; however, the award letter from the XXX department is illegible. | Please see attached. | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | C A |
| XXX | XXXXX | 304496832 | FCRE1146 | 02/04/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present The report has many sections that are illegible. | Please see attached. | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304496831 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496831 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496830 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496830 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496826 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496826 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496824 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496824 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496822 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496822 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496821 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496821 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304496820 | finding-3352 | 02/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496820 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496819 | FCOM8997 | 02/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496819 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496817 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496817 | FCRE1347 | 02/06/2025 | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Missing VOE from loan file. | VOE | Documentation provided is sufficient. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | D A |
| XXX | XXXXX | 304496817 | FCRE6914 | 02/06/2025 | Credit | Missing Doc - Credit | Borrower 2 citizenship Documentation not provided | Borrower 2 citizenship Documentation Is Missing the USA Patriot Act Disclosure required. | Patriot Act Disclosure | Documentation provided is sufficient. Exception resolved.; Borrower 2 citizenship Documentation Provided or Not Required | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | D A |
| XXX | XXXXX | 304496816 | FCOM8997 | 02/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304496816 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496815 | finding-3352 | 02/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496815 | FCRE1437 | 02/10/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Borrower was qualified using social security income; however, verification of this income was missing. An Award Letter, XXX and/or Tax Returns required. | income docs attached | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | C A |
| XXX | XXXXX | 304496815 | FCRE1146 | 02/10/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present as the Title report is corrupt and illegible, need legible copy. | title attached | Title Document is fully Present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | D A |
| XXX | XXXXX | 304496813 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496813 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496812 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496812 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496811 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496811 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496808 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496808 | FCRE1146 | 02/03/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present - The first page of the Title policy is not legible. | Please see attached Title Report | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | D A |
| XXX | XXXXX | 304496807 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496807 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304496806 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496806 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496804 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496804 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496803 | finding-3352 | 02/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496803 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496801 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496801 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496799 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496799 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496797 | finding-3352 | 02/08/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/08/2025 | A |
| XXX | XXXXX | 304496797 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496793 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304496793 | FCRE1316 | 02/13/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing | See attached VVOE for B1 | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | D A |
| XXX | XXXXX | 304496791 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304496791 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496790 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496790 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496789 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496789 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496788 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496788 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496786 | FCOM8997 | 02/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496786 | FCRE1316 | 02/10/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing - VVOE for Borrower 1 was not executed. | See attached VVOE for B1 | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | D A |
| XXX | XXXXX | 304496786 | FCRE1146 | 02/10/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present The Title policy is corrupt and illegible. | See property report attached | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | D A |
| XXX | XXXXX | 304496786 | FCRE7497 | 02/07/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing supporting documentation to verify monthly payment of $XXX for other REO at XXX which was recently refinanced according to notes in file. | See attached mortgage Statement for non subject property | Documentation provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | D A |
| XXX | XXXXX | 304496783 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496783 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496782 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496782 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496781 | finding-3352 | 02/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496781 | FCRE1146 | 02/13/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present Many sections of the report are illegible. | Title | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | D A |
| XXX | XXXXX | 304496779 | finding-3352 | 01/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304496779 | FCRE8999 | 01/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304496778 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304496778 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496777 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496777 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496776 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496776 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496775 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496775 | FCRE1146 | 02/02/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present Title Document is corrupted and not legible. | title policy | Title Document is fully Present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/02/2025 | D A |
| XXX | XXXXX | 304496774 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496774 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496772 | FCOM8997 | 02/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496772 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496771 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496771 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496767 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496767 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496766 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496766 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496763 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496763 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496762 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496762 | FCRE1146 | 02/04/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present Title is corrupted and not legible. | title commitment | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304496759 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496759 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496758 | FCOM8997 | 02/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304496758 | FCRE8999 | 02/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304496756 | FCOM8997 | 02/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496756 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496753 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496753 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496751 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304496751 | FCRE1253 | 02/14/2025 | Credit | Eligibility | Missing Property Tax Cert | Missing Property Tax Cert Ownership and Encumbrance Report is partially legible. | Tax cert. Ty! | Documentation provided is sufficient. Exception resolved.; Property Tax Cert Provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | C A |
| XXX | XXXXX | 304496750 | FCOM8997 | 02/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496750 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496749 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304496749 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496748 | finding-3352 | 02/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496748 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | Not Findings The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304496747 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496747 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304496746 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496746 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496743 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304496743 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496742 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496742 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496740 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496740 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496737 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496737 | FCRE1146 | 02/12/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present Title is corrupted and not legible. | Title attached | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | D A |
| XXX | XXXXX | 304496737 | FCRE7496 | 02/12/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal summary reflects borrower is responsible for $XXX in monthly HOA dues. However, loan file missing documentation to support this amount. | HOA info attached | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | D A |
| XXX | XXXXX | 304496736 | finding-3352 | 02/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496736 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496734 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496734 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496733 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496733 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496732 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304496732 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496731 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304496731 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496730 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304496730 | FCRE1161 | 01/30/2025 | Credit | Missing Doc | Flood Certificate Missing | Missing Flood Certificate The Flood Cert is corrupt and illegible. | Please see attached | Documentation provided is sufficient. Exception resolved.; Flood Certificate is fully present | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/30/2025 | D A |
| XXX | XXXXX | 304496727 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496727 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496726 | FCOM8997 | 02/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496726 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496725 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304496725 | FCRE1146 | 02/14/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present - Title policy document is corrupt, as a result, some sections of the Title policy are illegible. | Hello, i tried to save the title commitment as a different PDF format please let me know if this is legible not on your end and if this condition may be cleared, thank you! | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | D A |
| XXX | XXXXX | 304496725 | FCRE7495 | 02/14/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Missing supporting documentation to verify Borrower's debt to Rollins Loan with monthly payment of $XXX and outstanding balance of $XXX per Final 1003. | Please refer to the paystubs. Bwr has a loan thru his company, we are including this in the DTI since it's coming out of his pay check. | Documentation provided is sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | D A |
| XXX | XXXXX | 304496724 | FCOM8997 | 02/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496724 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496723 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496723 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496722 | FCOM8997 | 02/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496722 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496721 | FCOM8997 | 02/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496721 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496720 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496720 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304471958 | FCOM8997 | 01/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304471958 | FCRE1253 | 01/27/2025 | Credit | Eligibility | Missing Property Tax Cert | Missing Property Tax Cert - The loan file is missing the property tax cert and HOA due for subject property. | Tax Cert | Documentation provided is sufficient. Exception resolved.; Property Tax Cert Provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | C A |
| XXX | XXXXX | 304471958 | FCRE1193 | 01/29/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The total distribution of $XXX will not continue for XXX-months if monthly distribution is $XXX per month. For income to qualify is continue for XXX years as required, the monthly distribution will need to be $XXX per month, which is the cause of the DTI exceeding XXX% max. If utilizing $XXX per month, as lender did, the total distribution income would continue for XXX months, which does not meet FNMA requirements of a XXX year continuation of income. | UW Comments | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | C A |
| XXX | XXXXX | 304471958 | FCRE1964 | 01/27/2025 | Credit | Missing Doc | Missing income documentation | The loan file is missing the awards letter or XXX to verify social security income. | SS Income | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | D A |
| XXX | XXXXX | 304436574 | FCOM8997 | 12/22/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2024 | A |
| XXX | XXXXX | 304436574 | FCRE8999 | 12/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2024 | A |
| XXX | XXXXX | 304441736 | FCOM8997 | 12/11/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304441736 | FCRE8999 | 12/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304323234 | finding-3352 | 06/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines, therefore downgraded to A. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 06/06/2024 | A |
| XXX | XXXXX | 304323234 | FCRE8999 | 06/06/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 06/06/2024 | A |
| XXX | XXXXX | 304385295 | finding-3352 | 09/26/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/26/2024 | A |
| XXX | XXXXX | 304385295 | FCRE1440 | 09/25/2024 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Last reported mortgage payment history in the credit file, XXX, reflects no payment activity since XXX. The debt was included in or discharged through Bankruptcy. A Credit Supplement or documentation of the last XXX months mortgage payment history is required. | Provided credit supplement showing mortgage on 1st lien | Received missing pay history supplement for the mortgage. Exception resolved. ; Housing History Meets Guideline Requirements | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/25/2024 | C A |
| XXX | XXXXX | 304398425 | finding-2261 | 09/27/2024 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/27/2024 | A |
| XXX | XXXXX | 304398425 | finding-3352 | 09/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/27/2024 | A |
| XXX | XXXXX | 304398425 | FCRE8999 | 09/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/27/2024 | A |
| XXX | XXXXX | 304337583 | finding-3352 | 08/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 08/30/2024 | A |
| XXX | XXXXX | 304337583 | FCRE1158 | 08/31/2024 | Credit | Missing Doc | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Homeowner's insurance policy is not signed. The document indicates it is 'not valid unless signed by an authorized agent of XXX'. | Hazard insurance | Document provided is sufficient. Hazard policy in effect. Exception resolved.; Hazard Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 08/31/2024 | D A |
| XXX | XXXXX | 304337583 | FCRE3978 | 08/31/2024 | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Missing letter of explanation for XX/XX/XXXX late payment on credit report for XXX #XXX | Provided the response from the borrower regarding the late payment on the XXX account. | Document provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 08/31/2024 | D A |
| XXX | XXXXX | 304337583 | FCRE8611 | 08/31/2024 | Credit | Income/Employment | Income/Employment General | Discrepancy in employment verification - Borrower works with XXX for XXX and has been in employment since XX/XX/XXXX per WVOE in file, however, VVOE reflects borrower has been employed since XX/XX/XXXX for the same company. A letter of explanation is required to clarify the different hiring dates. | LOX cert employment date | Document provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 08/31/2024 | C A |
| XXX | XXXXX | 304353873 | FCOM8997 | 11/05/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304353873 | FPRO1136 | 11/04/2024 | Credit | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Appraisal is subject to ceiling repair and exposed electrical wiring from racoon infestation, but missing the re-cert of value in the file. | 1004D | Document provided is sufficient. Exception resolved.; Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/04/2024 | C A |
| XXX | XXXXX | 304356582 | finding-3352 | 07/31/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 07/31/2024 | A |
| XXX | XXXXX | 304356582 | finding-2623 | 07/31/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 07/31/2024 | A |
| XXX | XXXXX | 304356582 | FCRE8999 | 07/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 07/30/2024 | A |
| XXX | XXXXX | 304357066 | finding-3352 | 08/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/06/2024 | A |
| XXX | XXXXX | 304357066 | FCRE1330 | 08/06/2024 | Credit | Missing Doc | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing Borrower's paystubs are missing from loan file. Per income calculator lender used paystub with Pay Ending date of XX/XX/XXXX. | Paystub from XXX | Received paystub. Exception Resolved. ; Borrower 1 Paystubs Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/06/2024 | D A |
| XXX | XXXXX | 304363505 | finding-3352 | 09/28/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/28/2024 | A |
| XXX | XXXXX | 304363505 | FCOM1221 | 09/28/2024 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Notary document. does not reflect date borrower signed. | XXX uses a Security Deed which does not have a date on the signature page \| | Exception resolved as this is located in XXX which doesn't use a notary date.. ; The Deed of Trust is Present and Complete | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/28/2024 | D A |
| XXX | XXXXX | 304363505 | FCRE1193 | 09/28/2024 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender did not include credit liability for XXX #XXX with monthly payment of $XXX to DTI. | Omission docs | Document provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/28/2024 | C A |
| XXX | XXXXX | 304363653 | finding-3352 | 07/31/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/31/2024 | A |
| XXX | XXXXX | 304363653 | finding-2623 | 07/31/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/31/2024 | A |
| XXX | XXXXX | 304363653 | FCRE8999 | 07/31/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/31/2024 | A |
| XXX | XXXXX | 304364683 | finding-3352 | 08/20/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/20/2024 | A |
| XXX | XXXXX | 304364683 | finding-2623 | 08/20/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/20/2024 | A |
| XXX | XXXXX | 304364683 | FCRE8999 | 08/21/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/21/2024 | A |
| XXX | XXXXX | 304368525 | finding-3352 | 08/23/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/23/2024 | A |
| XXX | XXXXX | 304368525 | finding-2623 | 08/23/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/23/2024 | A |
| XXX | XXXXX | 304368525 | FCRE8999 | 08/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 08/22/2024 | A |
| XXX | XXXXX | 304369744 | FCOM8997 | 10/04/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Please advise what, if anything, is needed to clear this condition | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304369744 | FCRE8999 | 10/07/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/07/2024 | A |
| XXX | XXXXX | 304369554 | finding-3352 | 08/14/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/14/2024 | A |
| XXX | XXXXX | 304369554 | finding-2623 | 08/14/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/14/2024 | A |
| XXX | XXXXX | 304369554 | FCRE8999 | 08/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/14/2024 | A |
| XXX | XXXXX | 304477559 | FCOM8997 | 03/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304477559 | FCRE1764 | 03/04/2025 | Credit | Missing Doc | Missing Verification of Mortgage | Lender to provide XXX loan documentation on the following properties per Final 1003; (XXX) XXX - XXX.; (XXX) XXX.; (XXX) XXX.; (XXX) XXX - XXX.; (XXX) XXX - XXX.; (XXX) XXX - XXX.; (XXX) XXX - XXX.; (XXX) XXX - XXX.; (XXX) XXX - XXX.; (XXX) XXX - XXX.; and (XXX) XXX. | see attached ; see attached | Documentation provided is sufficient. Exception resolved.; Please provide the 2nd mortgage Note for XXX-XXX. Exception remains. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/04/2025 | D A |
| XXX | XXXXX | 304477559 | FCRE1195 | 03/04/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Maximum CLTV is XXX% on the NOO XXX-XXX Units Normally XXX% CLTV Lender Approved exception based on the compensation factors, residual income of $XXX and XXX years of Owned Business. |  | Lender exception documented in file for CLTV/HLTV supported by the following compensating factors: residual income, XXX years self-employed business owner. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304477559 | FCRE1196 | 03/04/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Maximum CLTV is XXX% on the NOO XXX-XXX Units Normally XXX% CLTV Lender Approved exception based on the compensation factors, residual income of $XXX and XXX years of Owned Business. |  | Lender exception documented in file for CLTV/HLTV supported by the following compensating factors: residual income, XXX years self-employed business owner. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304477559 | FVAL3825 | 03/04/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Disaster-XXX and XXX, declared on XX/XX/XXXX, but occurred on XX/XX/XXXX-XX/XX/XXXX, after the Appraisal Inspection XX/XX/XXXX and no evidence of a post-disaster inspection completed to verify damages if any. | see attached | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/04/2025 | C A |
| XXX | XXXXX | 304489935 | FCOM8997 | 03/01/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/01/2025 | A |
| XXX | XXXXX | 304489935 | FCRE4963 | 03/04/2025 | Credit | Debt | No evidence of required debt payoff | Missing documentation showing that XXX with outstanding balance of $XXX has been paid off. | see attached | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/04/2025 | C A |
| XXX | XXXXX | 304489935 | FCRE7497 | 02/28/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing current HOI for XXX, XXX, XXX, XXX & XXX as HOI provided has expired. Also, missing HOI for XXX | see attached | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/28/2025 | D A |
| XXX | XXXXX | 304489935 | FCRE7495 | 03/04/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Missing executed Note for all 2nd mortgages with XXX as borrower has recently refinanced several properties with lender and mortgages are not yet on the credit report. | see attached | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/04/2025 | D A |
| XXX | XXXXX | 304489935 | FCRE1195 | 03/03/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Maximum CLTV is XXX% on the NOO XXX-XXX Units, Normally XXX% CLTV Lender Approved exception based on the compensation factors, residual Income of $XXX per month, and XXX Years of Own Business. |  | Lender exception documented in file for CLTV/HLTV supported by the following compensating factors: residual income, XXX years self-employed business owner. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304489935 | FCRE1196 | 03/03/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Maximum CLTV is XXX% on the NOO XXX-XXX Units, Normally XXX% CLTV Lender Approved exception based on the compensation factors, residual Income of $XXX per month, and XXX Years of Own Business. |  | Lender exception documented in file for CLTV/HLTV supported by the following compensating factors: residual income, XXX years self-employed business owner. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304489935 | FVAL3825 | 02/28/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Disaster-XXX and XXX, declared on XX/XX/XXXX, but occurred on XX/XX/XXXX-XX/XX/XXXX, which was after the Appraisal Inspection XX/XX/XXXX and no evidence of a post-disaster inspection completed to verify damages if any. | see attached | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/28/2025 | C A |
| XXX | XXXXX | 304490216 | FCOM8997 | 03/01/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/01/2025 | A |
| XXX | XXXXX | 304490216 | FCRE7497 | 03/04/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing the P & I documentation for XXX; missing the 2nd lien documentation for XXX, XXX, XXX., XXX., XXX., XXX., XXX., XXX, XXX, XXX., XXX., and XXX. Need HOA documentation for all properties, or an LOE stating the properties do not have an HOA. | see attached ; see attached | Documentation provided is sufficient. Exception resolved.; The one still missing is for XXX. Exception remains. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | D A |
| XXX | XXXXX | 304490216 | FCRE4963 | 02/28/2025 | Credit | Debt | No evidence of required debt payoff | Final 1003 indicates the line of credit with XXX was paid off with XXX loan #XXX. Lender to document the payoff of the line of credit with XXX. | see attached | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/28/2025 | C A |
| XXX | XXXXX | 304490216 | FCRE1195 | 03/04/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Guidelines State the maximum LTV/CLTV for a XXX-unit XXX property is XXX%. The subject transaction is XXX%. However, the Lender granted an exception for the LTV at XXX%, citing compensating factors of residual income and the number of years the Borrower has owned the business. Acknowledged and downgraded. |  | Lender exception documented in file for CLTV/HLTV supported by the following compensating factors: residual income, XXX years self-employed business owner. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304490216 | FCRE1196 | 03/04/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Guidelines State the maximum LTV/CLTV for a XXX-unit XXX property is XXX%. The subject transaction is XXX%. However, the Lender granted an exception for the LTV at XXX%, citing compensating factors of residual income and the number of years the Borrower has owned the business. Acknowledged and downgraded. |  | Lender exception documented in file for CLTV/HLTV supported by the following compensating factors: residual income, XXX years self-employed business owner. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304490216 | FVAL3825 | 02/28/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Disaster-XXX and XXX, declared on XX/XX/XXXX, but occurred on XX/XX/XXXX-XX/XX/XXXX, after the Appraisal Inspection XX/XX/XXXX and no evidence of a post-disaster inspection completed to verify damages if any. | see attached | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/28/2025 | C A |
| XXX | XXXXX | 304490247 | FCOM8997 | 03/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304490247 | FCRE7497 | 03/04/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | i) Missing supporting documentation to verify monthly payment of second mortgages of the properties listed below from XXX. Audit used monthly payment Stated on Final 1003 to calculate DTI. XXX, XXX, XXX, XXX #XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX and XXX. ii) Missing updated insurance policy for properties XXX & XXX. XXX, XXX, XXX, XXX and XXX as policies expired prior to loan current loan closing on XX/XX/XXXX. | see attached - looking for updated HOI for XXX ; see attached | Documentation provided is sufficient. Exception resolved.; Missing supporting documentation to verify monthly payment of second mortgages of the properties listed below from XXX. Audit used monthly payment Stated on Final 1003 to calculate DTI. XXX, XXX, XXX-XXX, XXX Unit #XXX-XXX, XXX, XXX, XXX-XXX-XXX-XXX, XXX-XXX, XXX, XXX, XXX and XXX. Tax and insurance documents were sufficient. These are the 2nd mortgages listed on the XXX. Exception remains. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/04/2025 | D A |
| XXX | XXXXX | 304490247 | FCRE4963 | 03/04/2025 | Credit | Debt | No evidence of required debt payoff | Missing documentation showing that XXX with outstanding balance of $XXX has been paid off. | see attached paid off w/ XXX loan | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/04/2025 | C A |
| XXX | XXXXX | 304490247 | FCRE1195 | 03/04/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The borrower CLTV of XXX% exceeds guideline of XXX%. Lender made an exception on CLTV - Max CLTV is XXX% on NOO XXX-XXX unit. Exception made to go to XXX% CLTV. The exception was made base on the following compensating factors _Residual income and years borrower owned business. Exception downgraded to a level 2/B |  | Lender exception documented in file for CLTV/HLTV supported by the following compensating factors: residual income, XXX years self-employed business owner. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304490247 | FCRE1196 | 03/04/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The borrower CLTV of XXX% exceeds guideline of XXX%. Lender made an exception on CLTV - Max CLTV is XXX% on NOO XXX-XXX unit. Exception made to go to XXX% CLTV. The exception was made base on the following compensating factors _Residual income and years borrower owned business. Exception downgraded to a level 2/B |  | Lender exception documented in file for CLTV/HLTV supported by the following compensating factors: residual income, XXX years self-employed business owner. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304490247 | FVAL3825 | 03/04/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Disaster-XXX and XXX, declared on XX/XX/XXXX, but occurred on XX/XX/XXXX-XX/XX/XXXX, which was after the Appraisal Inspection that occurred on XX/XX/XXXX and XX/XX/XXXX and no evidence of a post-disaster inspection completed to verify damages if any. | see attached ; see attached | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/04/2025 | C A |
| XXX | XXXXX | 304490246 | FCOM8997 | 03/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304490246 | FCRE7009 | 03/04/2025 | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of $XXX is less than required coverage required - Homeowner insurance Policy provided States Replacement Included but does not give a figure and current unpaid balance for both mortgages exceed dwelling coverage. | see attached | Documentation provided is sufficient. Exception resolved.; Hazard Insurance coverage meets guideline requirement | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | C A |
| XXX | XXXXX | 304490246 | FCRE7497 | 03/04/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing updated insurance policy for properties XXX & XXX. XXX, XXX, XXX, XXX and XXX as policies expired prior to loan current loan closing on XX/XX/XXXX | see attached | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | D A |
| XXX | XXXXX | 304490246 | FCRE7495 | 03/04/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Missing executed Note for all 2nd mortgages with XXX as borrower has recently refinanced several properties with lender and mortgages are not yet on the credit report. | see attached | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | D A |
| XXX | XXXXX | 304490246 | FCRE4963 | 03/04/2025 | Credit | Debt | No evidence of required debt payoff | Missing documentation showing that XXX with outstanding balance of $XXX has been paid off. | see attached | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | C A |
| XXX | XXXXX | 304490246 | FCRE1195 | 03/04/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Borrower is a XXX and has been in business for almost 19yrs; borrower's income was calculated using most recent 2yrs business returns. Upon reviewing the returns the borrower has residual income of $XXX. Current CLTV is XXX% based upon appraisal and loan amount, per guidelines Max CLTV is XXX% for XXX properties that are XXX-XXX units. The file contains an exception approval for XXX% LTV based on compensating factors that the lender identified: Residual Income & Years Owned Business. |  | Lender exception documented in file for CLTV/HLTV supported by the following compensating factors: residual income, XXX years self-employed business owner. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304490246 | FCRE1196 | 03/04/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Borrower is a XXX and has been in business for almost 19yrs; borrower's income was calculated using most recent 2yrs business returns. Upon reviewing the returns the borrower has residual income of $XXX. Current HLTV is XXX% based upon appraisal and loan amount, per guidelines Max CLTV is XXX% for XXX properties that are XXX-XXX units. The file contains an exception approval for XXX% HLTV based on compensating factors that the lender identified: Residual Income & Years Owned Business. |  | Lender exception documented in file for CLTV/HLTV supported by the following compensating factors: residual income, XXX years self-employed business owner. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304490246 | FVAL3825 | 03/04/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Disaster-XXX and XXX, declared on XX/XX/XXXX, but occurred on XX/XX/XXXX-XX/XX/XXXX, was after the Appraisal Inspection XX/XX/XXXX and no evidence of a post-disaster inspection completed to verify damages if any. | see attached | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | C A |
| XXX | XXXXX | 304490245 | FCOM8997 | 03/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304490245 | FCRE7009 | 03/04/2025 | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of $XXX is less than required coverage required - Hazard Insurance coverage of $XXX is less than required coverage amount of $XXX (First lien XXX $XXX + Second Mortgage $XXX) | see attached | Documentation provided is sufficient. Exception resolved.; Hazard Insurance coverage meets guideline requirement | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | C A |
| XXX | XXXXX | 304490245 | FCRE7497 | 03/04/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | i. Missing supporting documentation to verify monthly payment of second mortgages of the properties listed below from XXX. Audit used monthly payment Stated on Final 1003 to calculate DTI. XXX, XXX, XXX, XXX #XXX-XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX and XXX. ii. Missing updated insurance policy for properties XXX & XXX. XXX, XXX, XXX, XXX and XXX as policies expired prior to loan current loan closing on XX/XX/XXXX | see attached ; see attached | Documentation provided is sufficient. Exception resolved.; Missing the Notes for the 2nd mortgages for XXX and XXX. Exception remains. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | D A |
| XXX | XXXXX | 304490245 | FCRE7495 | 03/04/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Homeowner insurance policy provided does not reflect policy premium for other REO at XXX. | see attached | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | D A |
| XXX | XXXXX | 304490245 | FCRE4963 | 03/04/2025 | Credit | Debt | No evidence of required debt payoff | Missing documentation showing that XXX with outstanding balance of $XXX has been paid off. | see attached | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | C A |
| XXX | XXXXX | 304490245 | FCRE1195 | 03/04/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Borrower is a XXX and has been in business for almost 19yrs and qualifying income used is from Form XXX income from most recent 2yrs. Upon reviewing the returns, the borrower has residual income of $XXX. Current CLTV is XXX% based on appraisal and loan amount, however, per guidelines Max CLTV is XXX% for XXX properties that are XXX-XXX units. The loan file contains Lender's exception approval for XXX% CLTV based on compensating factors that the lender identified: Residual Income & Years Owned Business. |  | Lender exception documented in file for CLTV/HLTV supported by the following compensating factors: residual income, XXX years self-employed business owner. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304490245 | FCRE1196 | 03/04/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Borrower is a XXX and has been in business for almost 19yrs and qualifying income used is from Form XXX income from most recent 2yrs. Upon reviewing the returns, the borrower has residual income of $XXX. Current HLTV is XXX% based on appraisal and loan amount, however, per guidelines Max CLTV is XXX% for XXX properties that are XXX-XXX units. The loan file contains Lender's exception approval for XXX% HLTV based on compensating factors that the lender identified: Residual Income & Years Owned Business. |  | Lender exception documented in file for CLTV/HLTV supported by the following compensating factors: residual income, XXX years self-employed business owner. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304490245 | FVAL3825 | 03/04/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Disaster-XXX, declared on XX/XX/XXXX, but occurred on XX/XX/XXXX, after the appraisal inspection on XX/XX/XXXX. There was no evidence of a post-disaster inspection completed to verify damages, if any. | see attached | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | C A |
| XXX | XXXXX | 304490215 | FCOM8997 | 03/04/2025 | Compliance | Data | No Compliance Findings | Transaction meets BP guidelines. Transaction is a cash out refinance and is exempt from TRID/QM. According to the BP letter on page XXX, that no part of the proceeds of the loan will be used for consumer purpose. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304490215 | FCRE7009 | 03/04/2025 | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of $XXX is less than required coverage required - Hazard Insurance coverage of $XXX is less than required coverage amount of $XXX (First lien XXX $XXX + Second Mortgage $XXX) | see attached | Documentation provided is sufficient. Exception resolved.; Hazard Insurance coverage meets guideline requirement | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | C A |
| XXX | XXXXX | 304490215 | FCRE7497 | 03/04/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | i. Missing supporting documentation to verify monthly payment of second mortgages of the properties listed below from XXX. Audit used monthly payment Stated on Final 1003 to calculate DTI. XXX, XXX, XXX-XXX, XXX Unit #XXX-XXX, XXX, XXX, XXX-XXX-XXX-XXX, XXX-XXX, XXX, XXX, XXX and XXX. ii. Missing updated insurance policy for properties XXX & XXX. XXX, XXX, XXX, XXX and XXX as policies expired prior to loan current loan closing on XX/XX/XXXX | see attached ; see attached | Documentation provided is sufficient. Exception resolved.; Need the Notes for the 2nd mortgages listed. Exception remains.; Missing supporting documentation to verify monthly payment of second mortgages of the properties listed below from XXX. Audit used monthly payment Stated on Final 1003 to calculate DTI. XXX, XXX, XXX-XXX, XXX Unit #XXX-XXX, XXX, XXX, XXX-XXX-XXX-XXX, XXX-XXX, XXX, XXX, XXX and XXX. These are the 2nd liens listed on the XXX. Exception remains. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | D A |
| XXX | XXXXX | 304490215 | FCRE4963 | 03/04/2025 | Credit | Debt | No evidence of required debt payoff | Missing documentation showing that XXX with outstanding balance of $XXX has been paid off. | see attached | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | C A |
| XXX | XXXXX | 304490215 | FCRE7495 | 03/04/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Homeowner insurance policy provided does not reflect policy premium for other REO at XXX Unit #XXX-XXX, XXX. | see attached | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | D A |
| XXX | XXXXX | 304490215 | FCRE1195 | 03/04/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Borrower is a XXX and has been in business for almost 19yrs and qualifying income used is from Form XXX income from most recent 2yrs. Upon reviewing the returns, the borrower has residual income of $XXX. Current CLTV is XXX% based on appraisal and loan amount, however, per guidelines Max CLTV is XXX% for XXX properties that are XXX-XXX units. The loan file contains Lender's exception approval for XXX% CLTV based on compensating factors that the lender identified: Residual Income & Years Owned Business. |  | Lender exception documented in file for CLTV/HLTV supported by the following compensating factors: residual income, XXX years self-employed business owner. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304490215 | FCRE1196 | 03/04/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Borrower is a XXX and has been in business for almost 19yrs and qualifying income used is from Form XXX income from most recent 2yrs. Upon reviewing the returns, the borrower has residual income of $XXX. Current HLTV is XXX% based on appraisal and loan amount, however, per guidelines Max HLTV is XXX% for XXX properties that are XXX-XXX units. The loan file contains Lender's exception approval for XXX% HLTV based on compensating factors that the lender identified: Residual Income & Years Owned Business. |  | Lender exception documented in file for CLTV/HLTV supported by the following compensating factors: residual income, XXX years self-employed business owner. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304490215 | FVAL3825 | 03/04/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Disaster-XXX and XXX, declared on XX/XX/XXXX, but occurred on XX/XX/XXXX-XX/XX/XXXX, which was after the Appraisal Inspection XX/XX/XXXX and no evidence of a post-disaster inspection completed to verify damages if any. | see attached | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | C A |
| XXX | XXXXX | 304497421 | FCOM8997 | 03/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304497421 | FCRE1200 | 02/28/2025 | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX - loan does not meet program guidelines. | see attached exception | The subject loan does not meet the minimum amount required of $XXX, per guidelines. However, an exception approval was granted, citing compensating factors of residual income and no credit late payments. Acknowledged and downgraded. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304373299 | FCOM8997 | 08/21/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/21/2024 | A |
| XXX | XXXXX | 304373299 | FCOM1220 | 08/21/2024 | Credit | Closing | The Deed of Trust is Missing | The Deed of Trust is Missing | DOT | Document provided is sufficient. Deed of Trust acceptable. Exception resolved.; The Deed of Trust is Present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/21/2024 | D A |
| XXX | XXXXX | 304373299 | FCRE1316 | 08/21/2024 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Verification of business document is not dated. Unable to confirm if the verification was done within XXX days of Note required by guidelines. | Provided Third party employment verification | Document provided is sufficient. VOE acceptable. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/21/2024 | D A |
| XXX | XXXXX | 304396483 | finding-3352 | 11/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304396483 | finding-2261 | 11/06/2024 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML Compliant This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304396483 | FCRE8999 | 11/06/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304388609 | finding-3352 | 10/09/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/09/2024 | A |
| XXX | XXXXX | 304388609 | finding-2962 | 10/09/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/09/2024 | A |
| XXX | XXXXX | 304388609 | FCRE8999 | 10/08/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/08/2024 | A |
| XXX | XXXXX | 304378950 | finding-3352 | 10/10/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/10/2024 | A |
| XXX | XXXXX | 304378950 | finding-2978 | 10/10/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations. While the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/10/2024 | A |
| XXX | XXXXX | 304378950 | FCRE8999 | 10/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/10/2024 | A |
| XXX | XXXXX | 304419368 | FCOM8997 | 10/13/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/13/2024 | A |
| XXX | XXXXX | 304419368 | FVAL3825 | 10/14/2024 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. | FEMA; PDI | Property Inspection Provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/14/2024 | C A |
| XXX | XXXXX | 304419368 | FVAL9739 | 10/15/2024 | Credit | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: According to guidelines a property condition report is required is the valuation utilized is an AVM. No evidence one was obtain. | PCI; AVM | Property/Appraisal Meets Guidelines; Correction, when utilizing an AVM, a PCI is required. Please provide the PCI. Exception remains. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/15/2024 | C A |
| XXX | XXXXX | 304379780 | finding-3352 | 09/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/05/2024 | A |
| XXX | XXXXX | 304379780 | finding-2623 | 09/05/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/05/2024 | A |
| XXX | XXXXX | 304379780 | FCRE1195 | 09/07/2024 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX%. Exceeds lender guidelines without an exception in file. |  | Audited CLTV of XXX% is less than or equal to Guideline CLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/07/2024 | C A |
| XXX | XXXXX | 304379780 | FCRE1196 | 09/07/2024 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX%. Exceeds lender guidelines without an exception in file. |  | Audited HLTV of XXX% is less than or equal to Guideline HCLTV of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/07/2024 | C A |
| XXX | XXXXX | 304380626 | finding-3352 | 10/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Please advise what, if anything, is needed to clear this condition | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304380626 | FCRE8999 | 10/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/03/2024 | A |
| XXX | XXXXX | 304393167 | finding-3352 | 11/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304393167 | FCRE8999 | 11/15/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304380988 | finding-3352 | 10/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/01/2024 | A |
| XXX | XXXXX | 304380988 | FCRE7496 | 09/30/2024 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Current XXX was modified per Credit Report; but missing executed modification agreement. | Modification | Received missing lien modification agreement. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 09/30/2024 | D A |
| XXX | XXXXX | 304381579 | finding-3352 | 09/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - | Resolved | 09/05/2024 | A |
| XXX | XXXXX | 304381579 | finding-2623 | 09/05/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - | Resolved | 09/05/2024 | A |
| XXX | XXXXX | 304381579 | FCRE1195 | 09/05/2024 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The borrower was approved at a XXX% CLTV. However, the per guidelines the maximum CLTV/HCLTV for a cash-out loan on a principal residence with a credit score of XXX-XXX is XXX%. The Borrower's representative credit score is XXX qualifies for a maximum XXX% CLTV/HCLTV. No Lender Exception was located in the loan file. |  | Audited CLTV of XXX% is less than or equal to Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - | Resolved | 09/05/2024 | C A |
| XXX | XXXXX | 304381579 | FCRE1196 | 09/05/2024 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The borrower was approved at a XXX% CLTV. However, the per guidelines the maximum CLTV/HCLTV for a cash-out loan on a principal residence with a credit score of XXX-XXX is XXX%. The Borrower's representative credit score is XXX qualifies for a maximum XXX% CLTV/HCLTV. No Lender Exception was located in the loan file. |  | Audited HLTV of XXX% is less than or equal to Guideline HCLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - | Resolved | 09/05/2024 | C A |
| XXX | XXXXX | 304381579 | FCRE7495 | 09/05/2024 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Lender omitted a XXX day XXX payment of $XXX from the DTI calculation. No supporting documentation to exclude the payment was located in the loan file. | XXX account due at end of month, provided asset Statement to show enough funds to pay off the XXX account | Document provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - | Resolved | 09/05/2024 | D A |
| XXX | XXXXX | 304381579 | FCRE6618 | 09/05/2024 | Credit | Borrower | Borrower information on XXX is incomplete | Borrower's Employer information was obscured on the Final 1003 and omitted on the Initial XXX. A legible, Final 1003 reflecting employer information is required. | Final 1003 legible employer | Document provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - | Resolved | 09/05/2024 | C A |
| XXX | XXXXX | 304381616 | finding-3352 | 10/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/13/2024 | A |
| XXX | XXXXX | 304381616 | FCRE8999 | 10/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/14/2024 | A |
| XXX | XXXXX | 304396704 | finding-3352 | 10/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/11/2024 | A |
| XXX | XXXXX | 304396704 | FCRE8999 | 10/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/13/2024 | A |
| XXX | XXXXX | 304382793 | finding-3352 | 10/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Please advise what, if anything, is needed to clear this condition | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304382793 | finding-2962 | 10/04/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Please advise what, if anything, is needed to clear this condition | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304382793 | FCRE8999 | 10/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304382067 | finding-3352 | 11/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304382067 | FCRE8999 | 11/06/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304398355 | finding-3352 | 10/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/11/2024 | A |
| XXX | XXXXX | 304398355 | FCRE8999 | 10/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/11/2024 | A |
| XXX | XXXXX | 304382849 | finding-3352 | 10/10/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/10/2024 | A |
| XXX | XXXXX | 304382849 | FCRE1173 | 10/09/2024 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Subject property is a condominium, which requires the Condo Master Building policy to be provided for review. | provided the Ho6 master policy | HO-XXX Master Insurance Policy is fully present | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/09/2024 | D A |
| XXX | XXXXX | 304382774 | finding-3352 | 09/28/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/28/2024 | A |
| XXX | XXXXX | 304382774 | FCRE1437 | 09/30/2024 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender qualified Borrower 1 using income earned from XXX and XXX, however, loan file is missing verification of employment from XXX. | No income from XXX used to qualify | Exception resolved as no income form XXX was used. ; Income and Employment Meet Guidelines | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/30/2024 | C A |
| XXX | XXXXX | 304384719 | finding-3352 | 09/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/27/2024 | A |
| XXX | XXXXX | 304384719 | finding-2962 | 09/27/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/27/2024 | A |
| XXX | XXXXX | 304384719 | FCRE1726 | 09/27/2024 | Credit | Borrower | Potential Identity Issues identified in the file | The USA Patriot Act form reflects B1's Identification Issue Date of XXX. No Expiration Date was provided. A valid identification document reflecting date of issuance and expiration is required. | Provided the updated Patriot Act form | Document provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/27/2024 | C A |
| XXX | XXXXX | 304384719 | FCRE7495 | 09/27/2024 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Final 1003 reflects a monthly payment of $XXX with a balance of $XXX to XXX. The liability is not reported to the credit repositories. No evidence of the creditor or debt was located in the loan file. Documentation to support the terms of the liability is required. | provided the XXX account contract | Received the missing payment verification from the XXX company. Exception resolved.; Received the missing payment verification from the XXX company. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/27/2024 | D A |
| XXX | XXXXX | 304384963 | finding-3352 | 10/08/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/08/2024 | A |
| XXX | XXXXX | 304384963 | FCRE6019 | 10/08/2024 | Credit | Missing Doc - Credit | Borrower 1 citizenship Documentation not provided | Borrower 1 citizenship Documentation Is Missing No evidence of a USA Patriot Act Disclosure completed or copy of government ID. | provided the Patriot act form | Document provided is sufficient. Exception resolved.; Borrower 1 citizenship Documentation Provided or Not Required | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/08/2024 | D A |
| XXX | XXXXX | 304384963 | FVAL3825 | 10/09/2024 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Subject property county is under individual assistance from XXX (XXX). | FEMA | Property Inspection Provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/09/2024 | C A |
| XXX | XXXXX | 304384955 | finding-3352 | 09/26/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/26/2024 | A |
| XXX | XXXXX | 304384955 | FCRE1173 | 09/26/2024 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | Provided the HO6 master policy | Received missing Master policy. Exception resolved. ; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/26/2024 | D A |
| XXX | XXXXX | 304385163 | FCOM8997 | 10/01/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/01/2024 | A |
| XXX | XXXXX | 304385163 | FCRE8999 | 09/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/30/2024 | A |
| XXX | XXXXX | 304386610 | FCOM8997 | 10/12/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/12/2024 | A |
| XXX | XXXXX | 304386610 | FCRE8999 | 10/12/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/12/2024 | A |
| XXX | XXXXX | 304385218 | finding-3352 | 10/02/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/02/2024 | A |
| XXX | XXXXX | 304385218 | FCRE8999 | 10/01/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/01/2024 | A |
| XXX | XXXXX | 304385462 | finding-3352 | 09/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/27/2024 | A |
| XXX | XXXXX | 304385462 | finding-2623 | 09/27/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/27/2024 | A |
| XXX | XXXXX | 304385462 | FCRE8999 | 09/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/26/2024 | A |
| XXX | XXXXX | 304385461 | finding-3352 | 09/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/27/2024 | A |
| XXX | XXXXX | 304385461 | FCRE8999 | 09/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/26/2024 | A |
| XXX | XXXXX | 304386994 | FCOM8997 | 10/01/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/01/2024 | A |
| XXX | XXXXX | 304386994 | FCRE8999 | 09/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/30/2024 | A |
| XXX | XXXXX | 304386608 | finding-3352 | 10/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/01/2024 | A |
| XXX | XXXXX | 304386608 | FCRE5771 | 09/30/2024 | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. to verify eligible FICO and debt. | CR for XXX | Received missing credit report for B2 with scores that qualify. Exception resolved. ; Borrower 2 Credit Report is not missing. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/30/2024 | D A |
| XXX | XXXXX | 304386608 | FCRE7495 | 09/30/2024 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Final 1003 for Borrower 2 reflects a monthly Child Support payment of $XXX. No documentation was located in the loan file to validate the payment. A copy of the Court Order or Agreement is required to document to Child Support payment. | provided XXX decree | Received missing decree for support payments. Exception resolved.; Received missing decree for support payments. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/30/2024 | D A |
| XXX | XXXXX | 304436653 | finding-3352 | 01/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304436653 | FCRE8999 | 01/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304387085 | finding-3352 | 09/28/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 09/28/2024 | A |
| XXX | XXXXX | 304387085 | FCRE8999 | 09/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 09/27/2024 | A |
| XXX | XXXXX | 304386545 | finding-3352 | 10/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/11/2024 | A |
| XXX | XXXXX | 304386545 | FCRE8999 | 10/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/11/2024 | A |
| XXX | XXXXX | 304438497 | finding-3352 | 01/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/03/2025 | A |
| XXX | XXXXX | 304438497 | FCRE7495 | 01/06/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Missing supporting documentation to verify monthly liability of $XXX per Final 1003 for XXX #XXX. Credit report reflects a balance of $XXX with no monthly payment and if Fannie Mae rule is applied, the monthly liability would be $XXX, however, Lender used a higher amount of $XXX. | provided the credit supplement | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/06/2025 | D A |
| XXX | XXXXX | 304386604 | finding-3352 | 09/24/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/24/2024 | A |
| XXX | XXXXX | 304386604 | FCRE1726 | 09/25/2024 | Credit | Borrower | Potential Identity Issues identified in the file | The USA Patriot Act Disclosure Form reflects the expiration date, as borrower's DOB. Either a valid copy of ID or corrected Patriot Act Disclosure form. | Provided the Patriot act form | Document provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/25/2024 | C A |
| XXX | XXXXX | 304387125 | FCOM8997 | 09/27/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/27/2024 | A |
| XXX | XXXXX | 304387125 | FCRE8999 | 09/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/26/2024 | A |
| XXX | XXXXX | 304388447 | finding-773 | 10/08/2024 | Compliance | Points & Fees | XXX Threshold Loan Points and Fees Test | This loan failed the threshold loan points and fees test. (XXX Ord. XXX § XXX "Threshold loan" (XXX)) The total points and fees of the mortgage exceed XXX% of the total loan amount in the case that the loan amount is $XXX or greater, or $XXX in the case that the loan amount is less than $XXX. Loan tested as TRID due to lack of business purpose affidavit or LOE stating cash out is for business purpose. Net Tangible Benefit on page XXX States cash out is for home improvement and debt consolidation but does not specify personal or business debts/home. Fees included are : Flood Certification - Single Charge or Life of Loan paid by Borrower: $XXX Funding, Wire, or Disbursement Fee paid by Borrower: $XXX MERS Registration Fee paid by Borrower: $XXX Points - Loan Discount Fee paid by Borrower: $XXX Recording Service Fee paid by Borrower: $XXX Technology Fee paid by Borrower: $XXX Third Party Underwriting Fee paid by Borrower: $XXX Title Coordination Fee paid by Borrower: $XXX Title Courier Fee paid by Borrower: $XXX | Attached check request package includes copy of check, PCCD with LOE, & FedEx label; Can you please advise if this is able to be cured monetarily? If so, can you please confirm the amount of cure required?; Can you please advise how much the file is failing by? It appears that your test is including some fees that should be excluded. \| \| Sec. XXX-XXX. - Predatory lending ordinance \| (XXX) Points and fees shall not include: \| a. Taxes, filing fees, recording and other charges and fees paid or to be paid to public officials for determining the existence of or for perfecting, releasing or satisfying a security interest; \| b. A payment to a government agency or a government-sponsored agency in connection with a government-sponsored mortgage program; \| c. Bona fide and reasonable fees paid to a person other than a lender or an affiliate of the lender or to the mortgage broker or an affiliate of the mortgage broker for the following: fees for tax payment services; fees for flood certification; fees for pest infestation and flood determinations; appraisal fees; fees for home inspections performed prior to closing; credit reports; surveys; \| Attorney's fees (if the borrower has the right to select the Attorney) ; notary fees; escrow charges, so long as not otherwise included under Subsection (XXX) of this definition; title insurance premiums; and hazard insurance and flood insurance premiums, provided that the conditions in XXX CFR XXX(d) (XXX) are met; and \| d. Any bona fide, competitive and reasonable fees paid to the lender or an affiliate of the lender for the services and products described in Subsection (XXX) c of this definition, but only if the loan is not conditioned on the fees being paid to the lender or its affiliate, and the borrower is given the option to obtain the service or product from an unaffiliated entity. \| | Cure package provided to the borrower; exception downgraded to a 2/B; This loan failed the threshold loan points and fees test. (XXX Ord. XXX § XXX "Threshold loan" (XXX)) The total points and fees of the mortgage exceed XXX% of the total loan amount in the case that the loan amount is $XXX or greater, or $XXX in the case that the loan amount is less than $XXX.; yes, a cure amount of $XXX would be required. A cure package requires a PCCD, LOE, copy of check and proof of delivery; The fees paid to XXX/XXX were not considered paid to an affiliate, however all fees considered finance charges and not excludable per the following regulation were included in testing. XXX code XX/XX/XXXX: "Points and fees" means: (XXX) All items required to be disclosed under Sections XXX(a) and XXX(b) of Title XXX of the Code of Federal Regulations, as amended from time to time, except the interest rate or time-price differential; (XXX) Subject to the exclusions provided below in this subdivision, all charges for items listed under Section XXX(c) (XXX) of Title XXX of the Code of Federal Regulations, as amended from time to time, but only if the lender receives direct or indirect compensation in connection with the charge or the charge is paid to an affiliate of the lender, and otherwise the charges are not included within the meaning of the phrase "points and fees"; (XXX) All compensation paid directly or indirectly to a mortgage broker, including a broker that originates a loan in its own name in a tablefunded transaction, not otherwise included in paragraph (XXX) or (XXX) of this subdivision; (XXX) The premium of any single premium credit life, credit disability, credit unemployment, or any other life or health insurance that is financed directly or indirectly into the loan, unless the disclosures and acknowledgment described in predatory loan practice (XXX) below have been made. "Points and fees" shall not include: (i) taxes, filing fees, recording and other charges and fees paid or to be paid to public officials for determining the existence of or for perfecting, releasing or satisfying a security interest; (ii) a payment to a government agency or a government-sponsored agency in connection with a government-sponsored mortgage program; (iii) bona fide and reasonable fees paid to a person other than a lender or an affiliate of the lender or to the mortgage broker or an affiliate of the mortgage broker for the following: fees for tax payment services; fees for flood certification; fees for pest infestation and flood determinations; appraisal fees; fees for home inspections performed prior to closing; credit reports; surveys; attorney's fees (if the borrower has the right to select the attorney) ; notary fees; escrow charges, so long as not otherwise included under paragraph (XXX) of this subdivision; title insurance premiums; and hazard insurance and flood insurance premiums, provided that the conditions in Section XXX(d) (XXX) of Title XXX of the Code of Federal Regulations, as amended from time to time, are met; and (iv) any bona fide, competitive and reasonable fees paid to the lender or an affiliate of the lender for the services and products described in clause (iii) , but only if the loan is not conditioned on the fees being paid to the lender or its affiliate, and the borrower is given the option to obtain the service or product from an un | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Cured |  | C B |
| XXX | XXXXX | 304388447 | finding-764 | 10/08/2024 | Compliance | Points & Fees | XXX Threshold Loan Points and Fees Test | This loan failed the threshold loan points and fees test. (Municipal Code of XXX § XX/XX/XXXX) The total points and fees of the mortgage exceed XXX% of the total loan amount in the case that the loan amount is $XXX or greater, or $XXX in the case that the loan amount is less than $XXX. Loan tested as TRID due to lack of business purpose affidavit or LOE stating cash out is for business purpose. Net Tangible Benefit on page XXX States cash out is for home improvement and debt consolidation but does not specify personal or business debts/home. Fees included are Flood Certification - Single Charge or Life of Loan paid by Borrower: $XXX Funding, Wire, or Disbursement Fee paid by Borrower: $XXX MERS Registration Fee paid by Borrower: $XXX Points - Loan Discount Fee paid by Borrower: $XXX Recording Service Fee paid by Borrower: $XXX Technology Fee paid by Borrower: $XXX Third Party Underwriting Fee paid by Borrower: $XXX Title Coordination Fee paid by Borrower: $XXX Title Courier Fee paid by Borrower: $XXX |  | Cure package provided to the borrower; exception downgraded to a 2/B; This loan failed the threshold loan points and fees test. (Municipal Code of XXX § XX/XX/XXXX) The total points and fees of the mortgage exceed XXX% of the total loan amount in the case that the loan amount is $XXX or greater, or $XXX in the case that the loan amount is less than $XXX. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Cured |  | C B |
| XXX | XXXXX | 304388447 | FCRE1173 | 10/08/2024 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Missing HO-XXX Master Insurance Policy | provided the HO6 master policy | Document provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/08/2024 | D A |
| XXX | XXXXX | 304388020 | FCOM8997 | 09/28/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/28/2024 | A |
| XXX | XXXXX | 304388020 | FCRE8999 | 09/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/27/2024 | A |
| XXX | XXXXX | 304387874 | finding-3352 | 12/16/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304387874 | FCRE8999 | 12/17/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/17/2024 | A |
| XXX | XXXXX | 304393766 | finding-3352 | 11/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/01/2024 | A |
| XXX | XXXXX | 304393766 | finding-2962 | 11/01/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/01/2024 | A |
| XXX | XXXXX | 304393766 | FCRE8999 | 10/31/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/31/2024 | A |
| XXX | XXXXX | 304391160 | finding-3352 | 11/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304391160 | finding-2962 | 11/13/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304391160 | FCRE8999 | 11/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304388047 | finding-3352 | 10/02/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/02/2024 | A |
| XXX | XXXXX | 304388047 | FCRE8999 | 10/02/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/02/2024 | A |
| XXX | XXXXX | 304439346 | finding-3352 | 12/31/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/31/2024 | A |
| XXX | XXXXX | 304439346 | finding-2623 | 12/31/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/31/2024 | A |
| XXX | XXXXX | 304439346 | FCRE8999 | 12/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304388472 | FCOM8997 | 10/01/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/01/2024 | A |
| XXX | XXXXX | 304388472 | FCRE8999 | 09/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/30/2024 | A |
| XXX | XXXXX | 304390601 | finding-3352 | 10/10/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/10/2024 | A |
| XXX | XXXXX | 304390601 | finding-2502 | 10/10/2024 | Compliance | Points & Fees | XXX Home Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX nonprime home loan test. The loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/10/2024 | A |
| XXX | XXXXX | 304390601 | FCRE8999 | 10/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/09/2024 | A |
| XXX | XXXXX | 304391009 | FCOM3531 | 10/01/2024 | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (XX/XX/XXXX.XXX(c) (XXX)) | Evidence of Appraisal Delivery to the Borrower Not Provided. | loan amount ($XXX) is below the HPML appraisal exemption threshold ($XXX). AVM used. | Appraisal delivery is NA due to loan amount and AVM used. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/01/2024 | C A |
| XXX | XXXXX | 304391009 | finding-3352 | 10/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | There is no full appraisal in file. HPML is not compliant. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Non-QM HP Loan. 2nd lien. Loan Amount $XXX (<$XXX). AVM used. Exempt from appraisal | loan amount is below the HPML appraisal exemption threshold; Exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/01/2024 | C A |
| XXX | XXXXX | 304391009 | FCRE8999 | 09/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/30/2024 | A |
| XXX | XXXXX | 304396311 | finding-3352 | 12/10/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304396311 | FCRE8999 | 12/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304393346 | finding-3352 | 10/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/13/2024 | A |
| XXX | XXXXX | 304393346 | FCRE8999 | 10/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/14/2024 | A |
| XXX | XXXXX | 304393765 | finding-3352 | 10/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/11/2024 | A |
| XXX | XXXXX | 304393765 | FCRE8999 | 10/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/10/2024 | A |
| XXX | XXXXX | 304391218 | finding-3352 | 10/31/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/31/2024 | A |
| XXX | XXXXX | 304391218 | finding-2962 | 10/31/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/31/2024 | A |
| XXX | XXXXX | 304391218 | FCRE8999 | 10/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304392182 | finding-3352 | 10/10/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/10/2024 | A |
| XXX | XXXXX | 304392182 | FCRE8999 | 10/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/09/2024 | A |
| XXX | XXXXX | 304391214 | finding-3352 | 10/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/01/2024 | A |
| XXX | XXXXX | 304391214 | FCRE8999 | 10/02/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/02/2024 | A |
| XXX | XXXXX | 304391786 | finding-3352 | 10/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304391786 | FCRE1193 | 10/30/2024 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% - because $XXX which is XXX% of the XXX 30day account balance of $XXX was excluded from the DTI calculation. The loan file has no evidence to support the exclusion; no evidence this account was paid off prior to close, borrower is not obligated to pay this account, or has sufficient assets to exclude account from the DTI final calculation. | Assets to exclude | Document provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2024 | C A |
| XXX | XXXXX | 304391866 | finding-3352 | 10/12/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/12/2024 | A |
| XXX | XXXXX | 304391866 | FCRE8999 | 10/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/14/2024 | A |
| XXX | XXXXX | 304392125 | finding-3352 | 10/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304392125 | FCRE8999 | 10/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304396481 | finding-3352 | 11/08/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/08/2024 | A |
| XXX | XXXXX | 304396481 | FCRE8999 | 11/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/11/2024 | A |
| XXX | XXXXX | 304392121 | finding-3352 | 10/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Please advise what, if anything, is needed to clear this condition | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304392121 | FCRE8999 | 10/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/03/2024 | A |
| XXX | XXXXX | 304393165 | finding-3352 | 10/08/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/08/2024 | A |
| XXX | XXXXX | 304393165 | finding-2978 | 10/08/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations. While the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/08/2024 | A |
| XXX | XXXXX | 304393165 | FCRE8999 | 10/07/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/07/2024 | A |
| XXX | XXXXX | 304393027 | finding-3352 | 10/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/11/2024 | A |
| XXX | XXXXX | 304393027 | FCRE8999 | 10/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/10/2024 | A |
| XXX | XXXXX | 304392613 | finding-3352 | 10/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Please advise what, if anything, is needed to clear this condition | HPML Compliant; HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304392613 | FCRE8999 | 10/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/03/2024 | A |
| XXX | XXXXX | 304392611 | finding-3352 | 10/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/01/2024 | A |
| XXX | XXXXX | 304392611 | FCRE8999 | 10/01/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/01/2024 | A |
| XXX | XXXXX | 304393101 | finding-3352 | 09/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/27/2024 | A |
| XXX | XXXXX | 304393101 | FCRE8999 | 09/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/30/2024 | A |
| XXX | XXXXX | 304393112 | finding-3352 | 11/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/11/2024 | A |
| XXX | XXXXX | 304393112 | FCRE8999 | 11/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/11/2024 | A |
| XXX | XXXXX | 304419521 | finding-3352 | 11/26/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/26/2024 | A |
| XXX | XXXXX | 304419521 | FCRE8999 | 11/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304393025 | FCOM8997 | 10/11/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/11/2024 | A |
| XXX | XXXXX | 304393025 | FCRE8999 | 10/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/09/2024 | A |
| XXX | XXXXX | 304393031 | finding-3352 | 10/08/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/08/2024 | A |
| XXX | XXXXX | 304393031 | finding-2261 | 10/08/2024 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/08/2024 | A |
| XXX | XXXXX | 304393031 | FVAL3825 | 10/08/2024 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Incident period was on XX/XX/XXXX and continuing while the post disaster inspection is date prior on XX/XX/XXXX | FEMA | Document provided is sufficient. Exception resolved.; Property Inspection Provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/08/2024 | C A |
| XXX | XXXXX | 304393752 | finding-3352 | 10/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304393752 | FCRE8999 | 10/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304393190 | FCOM8997 | 10/04/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Please advise what, if anything is needed to clear this condition | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304393190 | FCRE8999 | 10/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/03/2024 | A |
| XXX | XXXXX | 304393344 | FCOM8997 | 10/04/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | Please advise what, if anything, is needed to clear this condition | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304393344 | FCRE8999 | 10/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/04/2024 | A |
| XXX | XXXXX | 304398654 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304398654 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304393763 | finding-3352 | 10/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/11/2024 | A |
| XXX | XXXXX | 304393763 | FCRE8999 | 10/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/10/2024 | A |
| XXX | XXXXX | 304393749 | finding-3352 | 10/12/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/12/2024 | A |
| XXX | XXXXX | 304393749 | FCRE6019 | 10/12/2024 | Credit | Missing Doc - Credit | Borrower 1 citizenship Documentation not provided | Borrower 1 citizenship Documentation Is Missing The USA Patriot Act Disclosure form not completed by the borrower and no evidence of a govern issued ID. | Provided patriot act form | Document provided is sufficient. Exception resolved.; Borrower 1 citizenship Documentation Provided or Not Required | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/12/2024 | D A |
| XXX | XXXXX | 304398869 | FCOM8997 | 11/11/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/11/2024 | A |
| XXX | XXXXX | 304398869 | FCRE9488 | 11/11/2024 | Credit | Borrower | Potential /Current Address Issues identified in the file | The intent and/or status of the borrower's is not supported in the file. The subject loan was underwritten as a XXX with two borrowers. However, there is contradicting evidence as to the borrower being a owner-occupied borrower and co-borrower occupying the subject property. The mortgage Statement in the loan file for property XXX., is addressed to both the borrowers and both borrower and co-borrower final loan applications answered no to occupying the subject property as a XXX. Further, the borrower's application also reflects XXX., is being retained as an XXX and all income documents have XXX as borrower's mailing address. The subject property is a two unit property according to the appraisal and can easily be an XXX property. Therefore, need confirmation of for both borrowers and co-borrower and an updated Final 1003 Section XXX Declarations need to reflect whether borrower and co-borrower intends to occupy subject property as their XXX. | XXX co-borrower; lox | Document provided is sufficient. Exception resolved.; Explanation on ownership is sufficient, However, XXX still reflects she will not occupy the subject property as her XXX. Please provide a corrected XXX for XXX. Exception remains. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/11/2024 | C A |
| XXX | XXXXX | 304398255 | finding-3352 | 11/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304398255 | FCRE8999 | 11/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304436364 | finding-3352 | 12/16/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304436364 | FCRE2900 | 12/16/2024 | Credit | Missing Doc | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. - Missing evidence of lawful residency for both Borrowers who are Non-XXXs per Final 1003. | Provided work permits for both borrowers | Documentation provided is sufficient. Exception resolved.; Borrower Identification Document provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/16/2024 | D A |
| XXX | XXXXX | 304436364 | FCRE1319 | 12/17/2024 | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Borrower 1 Personal Tax Returns Missing - Missing two years of personal federal tax returns required for Non-XXXs per Guidelines. Lender provided only one year tax returns for Borrower 1. | LOX Tax return | Documentation provided is sufficient. Exception resolved.; Borrower 1 Personal Tax Returns Provided | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/17/2024 | D A |
| XXX | XXXXX | 304436364 | FCRE1350 | 12/17/2024 | Credit | Missing Doc | Borrower 2 Personal Tax Returns Missing | Borrower 2 Personal Tax Returns Missing - Missing two years of personal federal tax returns required for Non-XXXs per Guidelines. Lender provided no tax returns for Borrower 2. | lox tax return | Documentation provided is sufficient. Exception resolved.; Borrower 2 Personal Tax Returns Provided or Not Applicable (Number of Borrowers equals XXX) | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/17/2024 | D A |
| XXX | XXXXX | 304396771 | finding-3352 | 10/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/11/2024 | A |
| XXX | XXXXX | 304396771 | finding-2962 | 10/11/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/11/2024 | A |
| XXX | XXXXX | 304396771 | FCRE8999 | 10/12/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/12/2024 | A |
| XXX | XXXXX | 304396700 | finding-2962 | 11/01/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines;, therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/01/2024 | A |
| XXX | XXXXX | 304396700 | finding-3352 | 11/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines;, therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/01/2024 | A |
| XXX | XXXXX | 304396700 | FCRE1173 | 10/31/2024 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Master policy for the condo insurance is missing. | provided the HO6 master policy | Document provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/31/2024 | D A |
| XXX | XXXXX | 304396768 | finding-3352 | 10/12/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/12/2024 | A |
| XXX | XXXXX | 304396768 | FCRE8999 | 10/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/11/2024 | A |
| XXX | XXXXX | 304396767 | finding-3352 | 10/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/11/2024 | A |
| XXX | XXXXX | 304396767 | FCRE1173 | 10/13/2024 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Subject property is a condo and requires Condo Master Building, but no evidence of the policy in the loan file. | Provided the Ho6 master policy | Document provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/13/2024 | D A |
| XXX | XXXXX | 304396767 | FCRE8999 | 10/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/14/2024 | A |
| XXX | XXXXX | 304397830 | finding-3352 | 10/25/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/25/2024 | A |
| XXX | XXXXX | 304397830 | FCOM1233 | 10/28/2024 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing pages XXX and XXX. | provided the Final 1003 | Document provided is sufficient. Exception resolved.; The Final 1003 is Present | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/28/2024 | D A |
| XXX | XXXXX | 304398044 | finding-3352 | 10/20/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/20/2024 | A |
| XXX | XXXXX | 304398044 | finding-2623 | 10/20/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/20/2024 | A |
| XXX | XXXXX | 304398044 | FCRE8999 | 10/18/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/18/2024 | A |
| XXX | XXXXX | 304419330 | finding-3352 | 11/15/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304419330 | FCRE8999 | 11/18/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/18/2024 | A |
| XXX | XXXXX | 304397928 | FCOM8997 | 11/13/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304397928 | FCRE8999 | 11/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304397995 | finding-3352 | 11/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304397995 | FCRE1193 | 11/13/2024 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit used a higher consumer debt payment based on a XXX% calculation of the deferred student loan balance. There were no documented student loan repayment terms in file that supported using a lower payment. The final loan application and the XXX reflected that the lender used a lower payment than the required XXX% calculation. | student loan verification; student loan verification | Document provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/13/2024 | C A |
| XXX | XXXXX | 304398685 | finding-3352 | 12/09/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304398685 | FCRE8999 | 12/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304398203 | FCOM8997 | 10/15/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/15/2024 | A |
| XXX | XXXXX | 304398203 | FCRE8999 | 10/15/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/15/2024 | A |
| XXX | XXXXX | 304398099 | finding-3352 | 10/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/11/2024 | A |
| XXX | XXXXX | 304398099 | FCRE8999 | 10/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/10/2024 | A |
| XXX | XXXXX | 304417677 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304417677 | FCRE8999 | 12/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304400624 | finding-3352 | 10/24/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/24/2024 | A |
| XXX | XXXXX | 304400624 | FCRE8999 | 10/24/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/24/2024 | A |
| XXX | XXXXX | 304398848 | FCOM8997 | 11/05/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304398848 | FCRE8999 | 11/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/04/2024 | A |
| XXX | XXXXX | 304398652 | finding-3352 | 10/25/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/25/2024 | A |
| XXX | XXXXX | 304398652 | FCRE1155 | 10/25/2024 | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Subject Property on Note does not match Insured Property Address Notes shows city as XXX and Hazard insurance shows city as XXX. Insurance provider to update Insurance Policy reflecting the exact address on the Note. | provided the USPS verification of address, both XXX and XXX reflect on the same zip code | Document provided is sufficient. Exception resolved.; Subject Property on Note matches Insured Property Address | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/25/2024 | C A |
| XXX | XXXXX | 304400621 | FCOM8997 | 11/06/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304400621 | FCRE8999 | 11/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304401238 | finding-3352 | 10/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304401238 | FCRE8999 | 10/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304420323 | finding-3352 | 11/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/01/2024 | A |
| XXX | XXXXX | 304420323 | FCRE8999 | 10/31/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/31/2024 | A |
| XXX | XXXXX | 304399513 | FCOM1262 | 10/30/2024 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing There's no evidence of the ROR's in the loan file. | Attached RTCs received from settlement agent as trailing docs | Right to Cancel disclosures provided, exception resolved.; Right of Rescission is Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2024 | D A |
| XXX | XXXXX | 304399513 | finding-3352 | 10/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304399513 | FCRE1193 | 10/30/2024 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI exceeds guidelines due to student loan payments of $XXX and $XXX not included in the DTI calculations. | DUPLICATE TRADELINES - XXX/DEPT OF XXX ACCOUNT: XXX & XXX/DEPT OF XXX ACCOUNT: XXX | Document provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2024 | C A |
| XXX | XXXXX | 304400672 | FCOM8997 | 11/25/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304400672 | FCRE1316 | 11/26/2024 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Provided the secretary of State verification | Document provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/26/2024 | D A |
| XXX | XXXXX | 304400713 | finding-3352 | 11/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304400713 | FCRE8999 | 11/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/04/2024 | A |
| XXX | XXXXX | 304401027 | finding-3352 | 11/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304401027 | FCRE8999 | 11/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304401236 | finding-3352 | 11/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304401236 | finding-2962 | 11/06/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304401236 | FCRE9814 | 11/07/2024 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement | Provided the trust agreement | Document provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/07/2024 | D A |
| XXX | XXXXX | 304418740 | finding-3352 | 11/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/01/2024 | A |
| XXX | XXXXX | 304418740 | finding-2962 | 11/01/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/01/2024 | A |
| XXX | XXXXX | 304418740 | FCRE7495 | 11/05/2024 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Missing Credit Supplement or current Statement for XXX showing current monthly payment of XXX per Final 1003 as Credit Report does not show monthly payment. | provided the XXX/ XXX contract showing the $XXX | Document provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/05/2024 | D A |
| XXX | XXXXX | 304437854 | FCOM8997 | 12/30/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304437854 | FCRE8999 | 01/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/02/2025 | A |
| XXX | XXXXX | 304426790 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304426790 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304425701 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304425701 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304405059 | finding-3352 | 10/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304405059 | FCRE8999 | 10/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304401323 | finding-3352 | 12/10/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304401323 | FCRE1193 | 12/09/2024 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% XXX liabilities were added that were not on the credit report. (XXX - $XXX per month, $XXX balance; XXX - $XXX monthly, $XXX balance; XXX - $XXX monthly, $XXX balance). Only added the XXX liability to the calculation. XXX - $XXX monthly, $XXX balance to the liability calculation was not added to the liability calculation. After removing the liabilities that did not appear on the credit report, and adding the XXX account that was on the credit report the back end ratio increased to XXX% which is outside of the required XXX% threshold. | verif XXX omission | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2024 | C A |
| XXX | XXXXX | 304401321 | finding-3352 | 11/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/01/2024 | A |
| XXX | XXXXX | 304401321 | finding-2962 | 11/01/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/01/2024 | A |
| XXX | XXXXX | 304401321 | FCRE8999 | 10/31/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/31/2024 | A |
| XXX | XXXXX | 304402749 | finding-3352 | 11/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304402749 | finding-2962 | 11/06/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304402749 | FCRE8999 | 11/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304402748 | finding-3352 | 11/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304402748 | finding-2623 | 11/06/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304402748 | FCRE8999 | 11/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304402747 | finding-3352 | 11/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304402747 | FCRE8999 | 11/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304405735 | finding-3352 | 11/08/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/08/2024 | A |
| XXX | XXXXX | 304405735 | FCRE8999 | 11/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/11/2024 | A |
| XXX | XXXXX | 304417676 | finding-3352 | 12/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304417676 | FCRE8999 | 12/08/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/08/2024 | A |
| XXX | XXXXX | 304402765 | FCOM8997 | 11/05/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304402765 | FCOM1208 | 11/04/2024 | Credit | Missing Doc | The Note is Incomplete | The Note is Incomplete Missing page XXX of the Note. | Provided page XXX of the Note | Document provided is sufficient. Exception resolved.; The Note is Present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/04/2024 | D A |
| XXX | XXXXX | 304405655 | finding-3352 | 11/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/04/2024 | A |
| XXX | XXXXX | 304405655 | FCRE1440 | 11/01/2024 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The Credit Report does not reflect a current mortgage payment history. The last mortgage tradeline was reported, XXX. The 1st lien billing Statement is in the name of the non-borrowing XXX. The Final 1003 reflects the borrower is obligated for the 1st lien payment. A mortgage payment history to support the XXX and XXX Guideline is required. | Provided the 1st mortgage payment history | Document provided is sufficient. Exception resolved.; Housing History Meets Guideline Requirements | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/01/2024 | C A |
| XXX | XXXXX | 304405654 | finding-3352 | 11/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304405654 | FCRE8999 | 11/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304422584 | finding-3352 | 11/14/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304422584 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304415851 | finding-3352 | 10/25/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/25/2024 | A |
| XXX | XXXXX | 304415851 | finding-2623 | 10/25/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/25/2024 | A |
| XXX | XXXXX | 304415851 | FCRE8999 | 10/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/25/2024 | A |
| XXX | XXXXX | 304405575 | finding-3352 | 11/14/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304405575 | finding-2962 | 11/14/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304405575 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304426440 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304426440 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304405646 | finding-3352 | 11/07/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304405646 | finding-2261 | 11/07/2024 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML compliant This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304405646 | FCRE8999 | 11/07/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304436542 | finding-3352 | 12/20/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304436542 | FCRE8999 | 12/19/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304405642 | finding-3352 | 11/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304405642 | finding-2962 | 11/13/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304405642 | FCRE8999 | 11/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304405640 | finding-3352 | 10/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304405640 | FCRE8999 | 10/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304416378 | finding-3352 | 11/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304416378 | FCRE8999 | 11/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304418919 | finding-3352 | 11/14/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304418919 | finding-2962 | 11/14/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304418919 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304417059 | FCOM8997 | 11/06/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304417059 | FCRE8999 | 11/07/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304420995 | finding-3352 | 11/15/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304420995 | finding-2623 | 11/15/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304420995 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304418710 | FCOM8997 | 12/05/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304418710 | FCRE8999 | 12/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304415934 | finding-3352 | 11/25/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304415934 | FCRE8999 | 11/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304418487 | finding-3352 | 11/14/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304418487 | finding-2962 | 11/14/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304418487 | FCRE8999 | 11/18/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/18/2024 | A |
| XXX | XXXXX | 304419037 | finding-3352 | 02/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304419037 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304416504 | finding-3352 | 01/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/04/2025 | A |
| XXX | XXXXX | 304416504 | FCRE8999 | 01/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/03/2025 | A |
| XXX | XXXXX | 304417159 | finding-3352 | 10/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304417159 | FCRE8999 | 10/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304417268 | finding-3352 | 11/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304417268 | FCRE8999 | 11/08/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/08/2024 | A |
| XXX | XXXXX | 304392133 | FCOM8997 | 11/25/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304392133 | FCRE7496 | 11/26/2024 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing evidence of the additional insurance expense listed on XXX/AUS findings for the subject property not to exceed $XXX per month. | Provided the additional insurance doc | Document provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/26/2024 | D A |
| XXX | XXXXX | 304417838 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML COMPLIANT |  | HPML Compliant; HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304417838 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304417055 | FCOM8997 | 11/05/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304417055 | FCRE8999 | 11/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304420994 | FCOM8997 | 11/22/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304420994 | FCRE1764 | 11/22/2024 | Credit | Missing Doc | Missing Verification of Mortgage | Missing 1st lien mortgage Statement with payment breakdown to verify P&I. | Provided the MLS | Document provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/22/2024 | D A |
| XXX | XXXXX | 304422583 | finding-3352 | 11/25/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304422583 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304418095 | finding-3352 | 11/07/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304418095 | FCRE8999 | 11/08/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/08/2024 | A |
| XXX | XXXXX | 304417831 | finding-3352 | 11/25/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304417831 | FCRE1437 | 11/27/2024 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The borrower has a secondary source of income, which is self employed Schedule C accountant with The XXX #XXX. A processor cert is in the loan file stating the processor spoke to the owner's assistance and confirmed "XXX" is employed with the XXX. However, this does not clearly verify the borrower's self-employment ownership and how long the borrower has been self employed. The Final 1003 does not provide employment dates or evidence of ownership for this secondary source of income. Per FNMA guidelines, self-employment requirements remain the same even if its a secondary source of income. | Verif length of emp with XXX | Explanation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/27/2024 | C A |
| XXX | XXXXX | 304417835 | finding-3352 | 11/01/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/01/2024 | A |
| XXX | XXXXX | 304417835 | FCRE8999 | 11/01/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/01/2024 | A |
| XXX | XXXXX | 304422968 | FCOM3530 | 12/12/2024 | Compliance | TRID | Higher-Priced Mortgage Loan Appraisal Delivery to the Borrower is Greater than XXX days Prior to Consummation (XX/XX/XXXX.XXX(c) (XXX)) | Confirmation of Appraisal delivery date to the borrower of XX/XX/XXXX is less than XXX days prior to consummation of XX/XX/XXXX. Compliance check report verifies Borrower downloaded appraisal on XX/XX/XXXX which is less than XXX business days prior to consummation date of XX/XX/XXXX. | Attached includes appraisal receipt, TRID Calendar, & Compliance Log. Appraisal received XX/XX/XXXX (Business Day XXX) ; XX/XX/XXXX (Business Day XXX) ; XX/XX/XXXX (Business Day XXX) ; XX/XX/XXXX Consummation. | Date of Borrower Receipt of Appraisal exceeds XXX business days from Closing Date, or Unable to Determine; Reviewed documentation from client. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2024 | C A |
| XXX | XXXXX | 304422968 | finding-2962 | 12/11/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | Loan is not HPML compliant due to appraisal delivery less than XXX business days. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/11/2024 | C A |
| XXX | XXXXX | 304422968 | finding-3352 | 12/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Loan is not HPML compliant due to appraisal delivery less than XXX business days. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Please see attached. Supporting documentation. Appraisal receipt XX/XX/XXXX. Loan closed XX/XX/XXXX. ECOA timing was met. | Proof of appraisal delivery provided; HPML compliant. Exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/11/2024 | C A |
| XXX | XXXXX | 304422968 | FCRE8999 | 12/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304417834 | finding-3352 | 11/14/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304417834 | finding-2978 | 11/14/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations. While the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304417834 | FCRE8999 | 11/15/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304418485 | finding-3352 | 11/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304418485 | FCRE1196 | 11/06/2024 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The lender utilized 1st lien XXX of $XXX. However, the mortgage Statements and credit report in the loan file does not reflect this XXX. The lowest XXX verified for the 1st lien per mortgage Statement dated XX/XX/XXXX is $XXX. Therefore, the HCLTV exceeds maximum of XXX% and no lender exception was in the loan file. |  | CLTV/HLTV meets client purchase criteria and revised Lender guidelines permitting CLTV/HLTV to XXX%. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 304418485 | FCRE1195 | 11/06/2024 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The lender utilized 1st lien XXX of $XXX. However, the mortgage Statements and credit report in the loan file does not reflect this XXX. The lowest XXX verified for the 1st lien per mortgage Statement dated XX/XX/XXXX is $XXX. Therefore, the CLTV exceeds maximum of XXX% and no lender exception was in the loan file. |  | CLTV/HLTV meets client purchase criteria and revised Lender guidelines permitting CLTV/HLTV to XXX%. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 304418708 | finding-3352 | 10/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304418708 | FCRE8999 | 10/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304419034 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304419034 | finding-2623 | 12/03/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304419034 | FCRE9549 | 12/04/2024 | Credit | Missing Doc | Missing Credit Report Supplement | Missing Credit Supplement or current Statement for XXX #XXX. Per Final 1003 & CD account was paid off; unable to locate current Statement or credit supplement verifying outstanding balance, minimum payment due. | Provided XXX account ####XXX Statement | Document provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2024 | D A |
| XXX | XXXXX | 304418578 | finding-3352 | 11/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/11/2024 | A |
| XXX | XXXXX | 304418578 | FCRE8999 | 11/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304418575 | FCOM8997 | 10/30/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304418575 | FCRE8999 | 10/31/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/31/2024 | A |
| XXX | XXXXX | 304420993 | FCOM8997 | 01/15/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - \| Borrower has stable job time - | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304420993 | FCRE8999 | 01/15/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - \| Borrower has stable job time - | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304418707 | finding-3352 | 11/07/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304418707 | FCRE8999 | 11/07/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304418574 | finding-3352 | 10/28/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/28/2024 | A |
| XXX | XXXXX | 304418574 | FCRE8999 | 10/28/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/28/2024 | A |
| XXX | XXXXX | 304418571 | finding-3352 | 11/25/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304418571 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304418569 | finding-3352 | 11/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304418569 | finding-2261 | 11/13/2024 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML Compliant This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304418569 | FCRE7497 | 11/13/2024 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of HOI for property XXX. | Provided the free and clear verification; no need for HOI | Document provided is sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/13/2024 | D A |
| XXX | XXXXX | 304418569 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304418568 | finding-3352 | 11/14/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304418568 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304419126 | finding-3352 | 11/14/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304419126 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304420427 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304420427 | FCRE8999 | 12/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304420139 | finding-3352 | 11/07/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304420139 | finding-2962 | 11/07/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304420139 | FCRE1173 | 11/08/2024 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | Provided the HO6 master policy | Document provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/08/2024 | D A |
| XXX | XXXXX | 304418825 | FCOM1262 | 11/14/2024 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing Documentation Required: Right to Cancel in file expires on XX/XX/XXXX, however disbursement date on Final CD is Stated as XX/XX/XXXX. Disbursement cannot occur before the Right to Cancel expires. If rescission was re-opened, please provide a copy of the PCCD with correct disbursement date and LOE of why rescission was re-opened. | The borrowers erroneously executed both the cancel lines & the proceed lines at closing. We (XXX) reached out to the settlement agent to see if this was caught prior to disbursement and it was not. We then sent the LOE with revised RTCs (re-opened rescission) to the settlement agent to have executed by the borrower(s). Attached is the invalid RTCs, the LOE, and the VALID RTCs. These were not FedExed to the borrowers as they met in person with the settlement agent for revision/execution. | Cure package was provided to borrower; exception downgraded to a 2/B | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Cured |  | D B |
| XXX | XXXXX | 304418825 | finding-3352 | 11/14/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304418825 | FCRE8999 | 11/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304419125 | FCOM1224 | 12/10/2024 | Compliance | Missing Doc | Condo Rider is Missing | Condo Rider is Missing | verif propety is pud not condo, dot shows pud rider attached | Documentation provided is sufficient. Exception resolved.; The Condo Rider is Present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/10/2024 | D A |
| XXX | XXXXX | 304419125 | finding-3352 | 12/09/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304419125 | FCRE1173 | 12/09/2024 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | Provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/09/2024 | D A |
| XXX | XXXXX | 304418824 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304418824 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304418929 | finding-3352 | 11/07/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304418929 | finding-2623 | 11/07/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304418929 | FCRE8999 | 11/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/11/2024 | A |
| XXX | XXXXX | 304419519 | finding-3352 | 11/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304419519 | FCRE8999 | 11/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/04/2024 | A |
| XXX | XXXXX | 304419020 | finding-3352 | 11/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304419020 | FCRE8999 | 11/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304419029 | finding-3352 | 11/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304419029 | finding-2623 | 11/05/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304419029 | FCRE8999 | 11/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304419028 | finding-3352 | 11/14/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304419028 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304419115 | finding-3352 | 11/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304419115 | FCRE8999 | 11/06/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304420444 | finding-3352 | 11/07/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304420444 | finding-2623 | 11/07/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304420444 | FCRE8999 | 11/08/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/08/2024 | A |
| XXX | XXXXX | 304420514 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304420514 | FCRE1173 | 12/03/2024 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Could not locate the master condo policy in the loan file. | Provided the master HO6 policy | Document provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/03/2024 | D A |
| XXX | XXXXX | 304420643 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304420643 | FCRE5116 | 11/25/2024 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. - The 1st lien mortgage disclosed on the final application and with a mortgage Statement is not found on the credit report. No evidence of a VOM found in the loan file, either. Guidelines require evidence of (XXX) no late payments in the past XXX months and (XXX) no more than XXX times XXX days past due in the last XXX months. | Provided the credit supplement for the mortgage | Document provided is sufficient. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2024 | D A |
| XXX | XXXXX | 304391008 | FCOM8997 | 11/06/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304391008 | FCRE8999 | 11/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304420989 | FCOM8997 | 11/06/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304420989 | FCRE8999 | 11/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/04/2024 | A |
| XXX | XXXXX | 304425889 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304425889 | finding-2623 | 12/03/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304425889 | FCRE8999 | 12/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304420744 | finding-3352 | 11/15/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304420744 | finding-2962 | 11/15/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304420744 | FCRE7496 | 11/15/2024 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | MISSING MORTGAGE Statement with payment breakdown for subject property 1st lien. | Provided the mortgage Statement | Document provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/15/2024 | D A |
| XXX | XXXXX | 304423562 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML Compliant; HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304423562 | FCRE6546 | 11/22/2024 | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | The 1st lien mortgage Statement with payment breakdown required to verify P&I. | Provided the MLS | Document provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2024 | D A |
| XXX | XXXXX | 304425167 | FCOM8997 | 11/25/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304425167 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304420426 | FCOM8997 | 11/22/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304420426 | FCRE9814 | 11/22/2024 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement Missing Trust Agreement | provided the trust agreement | Document provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/22/2024 | D A |
| XXX | XXXXX | 304420426 | FCRE7496 | 11/22/2024 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The loan file is missing verification of the HOA dues from the subject property. Lender to provide a copy of the HOA Statement or other documentation to verify HOA dues of $XXX per month. | Provided the HOA Statement | Document provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/22/2024 | D A |
| XXX | XXXXX | 304420426 | FCRE7495 | 11/22/2024 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Lender to provide a verification of the updated balance and payment of the new XXX revolving account XXX which is reflected on the final loan application. | Provided credit supplement for new XXX account XXX | Document provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/22/2024 | D A |
| XXX | XXXXX | 304420513 | FCOM8997 | 11/13/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304420513 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304420442 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | HPML Compliant; HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304420442 | finding-2502 | 11/22/2024 | Compliance | Points & Fees | XXX Home Loan Test | This loan failed the XXX nonprime home loan test. The loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. HPML Compliant |  | HPML Compliant; HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304420442 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304420849 | finding-3352 | 11/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304420849 | finding-2623 | 11/05/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304420849 | FCRE8999 | 11/07/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304422582 | finding-3352 | 11/15/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304422582 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | There are no credit findings The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304422950 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304422950 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304420985 | FCOM8997 | 11/14/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304420985 | FCRE1173 | 11/13/2024 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Subject property is a Condo and Condo Master Building Policy is required. | provided the HO6 master policy \| | Document provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/13/2024 | D A |
| XXX | XXXXX | 304420640 | finding-3352 | 11/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304420640 | FCRE8999 | 11/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304420639 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304420639 | FCRE8999 | 11/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2024 | A |
| XXX | XXXXX | 304420741 | finding-3352 | 11/15/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304420741 | finding-2962 | 11/15/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304420741 | FCRE9814 | 11/18/2024 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement | Provided the trust agreement \| | Document provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/18/2024 | D A |
| XXX | XXXXX | 304420739 | finding-3352 | 11/19/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/19/2024 | A |
| XXX | XXXXX | 304420739 | finding-2962 | 11/19/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/19/2024 | A |
| XXX | XXXXX | 304420739 | FCRE8999 | 11/19/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/19/2024 | A |
| XXX | XXXXX | 304422398 | finding-3352 | 11/15/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304422398 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304420848 | finding-3352 | 11/15/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304420848 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304459805 | FCOM8997 | 12/24/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304459805 | FCRE8999 | 12/24/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304420979 | FCOM8997 | 11/05/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Comp Factor \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Comp Factor \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Comp Factor \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Comp Factor | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304420979 | FCRE8999 | 11/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX Comp Factor \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Comp Factor \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Comp Factor \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Comp Factor | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304420975 | finding-3352 | 11/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304420975 | finding-2962 | 11/06/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304420975 | FCRE8999 | 11/06/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304420973 | FCOM8997 | 11/14/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304420973 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304420972 | finding-3352 | 12/24/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304420972 | FCRE8999 | 12/24/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304422861 | finding-3352 | 11/07/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304422861 | FCRE8999 | 11/07/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304422397 | finding-3352 | 11/25/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304422397 | FCOM1233 | 11/27/2024 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing pages XXX-XXX. | Provided pages XXX and XXX from the Final 1003 | Document provided is sufficient. Exception resolved.; The Final 1003 is Present | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/27/2024 | D A |
| XXX | XXXXX | 304422397 | FCRE9814 | 11/27/2024 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement | Provided the Trust agreement | Document provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/27/2024 | D A |
| XXX | XXXXX | 304422647 | finding-3352 | 11/07/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304422647 | FCRE7495 | 11/07/2024 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | The final loan application and Uniform Underwriting and Transmittal Summary (XXX) reference a XXX installment loan with a balance of $XXX and monthly payment of $XXX. Documentation verifying and confirming the loan balance and monthly payment was not located in the loan file. | Provided the XXX agreement | Document provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/07/2024 | D A |
| XXX | XXXXX | 304422395 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304422395 | FCRE4165 | 12/03/2024 | Credit | Income/Employment | Employment Gaps in Employment Without Sufficient Explanation | Per FNMA guidelines Verification of a minimum history of two years secondary employment income is recommended. However, income that has been received for a shorter period of time but, no less than XXX months may be considered as acceptable income, as long as there are positive factors with reasonably offset for the the shorter income and no gap in employment greater than one month in the most recent XXX-month period. Per FNMA guidelines Verification of a minimum history of two years secondary employment income is recommended. However, income that has been received for a shorter period of time but, no less than XXX months may be considered as acceptable income, as long as there are positive factors with reasonably offset for the the shorter income and no gap in employment greater than one month in the most recent XXX-month period. It was verified the borrower had a gap of employment between XXX (Ended XX/XX/XXXX) and XXX (Started XX/XX/XXXX) , which is close to two full months. However, there is no evidence in the loan file lender questioned the gap, provided explanation or lender approved exception. | provided the LOX from borrower stating that she took a full time director of soccer position at the soccer academy in August of XXX, she has been employed here since XXX \| | Document provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | C A |
| XXX | XXXXX | 304405650 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304405650 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304428914 | finding-3352 | 11/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304428914 | FCRE8999 | 11/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304422488 | finding-3352 | 11/18/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/18/2024 | A |
| XXX | XXXXX | 304422488 | FCRE8999 | 11/18/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/18/2024 | A |
| XXX | XXXXX | 304428913 | finding-3352 | 01/16/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/16/2025 | A |
| XXX | XXXXX | 304428913 | FCRE8999 | 01/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/16/2025 | A |
| XXX | XXXXX | 304422555 | finding-3352 | 11/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304422555 | FCRE8999 | 11/08/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/08/2024 | A |
| XXX | XXXXX | 304423754 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304423754 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304422552 | finding-3352 | 11/14/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304422552 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304422857 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304422857 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304425188 | FCOM1604 | 12/09/2024 | Compliance | QM-ATR | Regulation § XXX(c) (XXX) (vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | Regulation § XXX(c) (XXX) (vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. Lender to provide supporting documentation to omit Child Support obligation, Letter in file indicated borrower is not obligated and a letter from child services was provided to lender to proof such, letter is missing. | verif borrower not responsible for Child support | Documentation provided is sufficient. Exception resolved.; The consumer's current debt obligations, alimony, and child support or other debt obligations were confirmed. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/09/2024 | C A |
| XXX | XXXXX | 304425188 | finding-3352 | 12/09/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304425188 | finding-2962 | 12/09/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304425188 | FCRE8999 | 12/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304432775 | FCOM8997 | 11/25/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304432775 | FCRE7497 | 11/25/2024 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of PITIA and rental income for XXX #XXX. | Provided the documents for XXX | Documents provided are sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2024 | D A |
| XXX | XXXXX | 304423683 | finding-3352 | 11/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304423683 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304422984 | finding-3352 | 11/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304422984 | finding-2261 | 11/13/2024 | Compliance | Points & Fees | XXX Spread Home Loan Test | Non-QM This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304422984 | FCRE8999 | 11/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304423561 | finding-3352 | 12/19/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304423561 | FCRE1193 | 12/19/2024 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The Final 1003 reflects XXX revolving accounts with zero balance and zero monthly payments. After a review of the credit report, these accounts in fact have balances and monthly payments that the borrower is obligated to pay. The accounts are as followed; XXX #XXX monthly payment $XXX, XXX #XXX monthly payment $XXX, XXX #XXX monthly payment $XXX, XXX #XXX monthly payment $XXX and XXX #XXX monthly payment $XXX, for a total monthly debt of $XXX. The $XXX was included in the total DTI as the loan file did not contain sufficient documentation to exclude these debts and were not listed on the final CD to be paid off at closing. Per FNMA Selling Guide requirements, all revolving debt is required to be included in the borrower's debt, unless evidence is provided that accounts were paid prior to closing, by another party, or paid at closing. The only revolving account eligible account that could be excluded from the monthly was the XXX-day XXX account with a balance of $XXX as borrower provided bank Statements which contain sufficient reserves minus closing costs. | accounts with zero balances | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/19/2024 | C A |
| XXX | XXXXX | 304422982 | FCOM8997 | 11/22/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304422982 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304422981 | finding-3352 | 11/15/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304422981 | finding-2623 | 11/15/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304422981 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304423686 | finding-3352 | 12/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304423686 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304426692 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304426692 | FCRE1204 | 11/22/2024 | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Lender to provide a Sam.gov report for the borrower to clear high alert on the Fraud Report. | Provided the Sam.gov report | Document provided is sufficient. Exception resolved.; All Fraud Report Alerts have been cleared or None Exist | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | C A |
| XXX | XXXXX | 304425187 | finding-3352 | 11/15/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304425187 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304429119 | finding-3352 | 12/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant, Non QM This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304429119 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304423681 | finding-3352 | 12/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304423681 | finding-2261 | 12/05/2024 | Compliance | Points & Fees | XXX Spread Home Loan Test | This loan failed the XXX rate spread home loan test. HPML compliant. This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304423681 | FCRE8999 | 12/06/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/06/2024 | A |
| XXX | XXXXX | 304425118 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304425118 | FCRE8999 | 11/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2024 | A |
| XXX | XXXXX | 304425700 | FCOM1604 | 11/25/2024 | Compliance | QM-ATR | Regulation § XXX(c) (XXX) (vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | Regulation § XXX(c) (XXX) (vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. Missing Child Support Order to support the $XXX Child Support Liability for the borrower. | child support order | The consumer's current debt obligations, alimony, and child support or other debt obligations were confirmed.; Document provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2024 | C A |
| XXX | XXXXX | 304425700 | FCRE8999 | 11/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2024 | A |
| XXX | XXXXX | 304423749 | finding-3352 | 12/16/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304423749 | finding-2962 | 12/16/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304423749 | FCRE8999 | 12/16/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304423747 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304423747 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304425059 | finding-3352 | 11/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304425059 | FCRE8999 | 11/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304437970 | finding-2502 | 12/22/2024 | Compliance | Points & Fees | XXX Home Loan Test | This loan failed the XXX nonprime home loan test. The loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. | Please advise what is needed to clear this condition. Loan is HP Non-QM with full appraisal available in file. All State compliance testing is passing | HPML compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2024 | C A |
| XXX | XXXXX | 304437970 | finding-3352 | 12/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML copliant. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2024 | A |
| XXX | XXXXX | 304437970 | FCRE5116 | 12/20/2024 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Provide missing VOM for subject property | provided the MLS | Duplicate exception. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/20/2024 | D A |
| XXX | XXXXX | 304437970 | FCRE1440 | 12/20/2024 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Provide missing VOM for subject property | Provided the credit supplement; Provided the MLS | Documentation provided is sufficient. Exception resolved.; Housing History Meets Guideline Requirements; Documentation provided does not reflect the payment history. XXX is not reporting on the credit report. Need the payment history from a credit supplement or VOM to support the required housing history. Exception remains.; Housing History Does Not Meet Guideline Requirements | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/20/2024 | C A |
| XXX | XXXXX | 304437970 | FCRE1193 | 12/20/2024 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The current DTI is XXX%, this exceeds the max allowed of XXX%. The lender did not include the taxes and Insurance with totaled $XXX in ratios | updated approval doc and lox | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/20/2024 | C A |
| XXX | XXXXX | 304423745 | finding-3352 | 11/14/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304423745 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304427792 | FCOM8997 | 11/15/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304427792 | FCRE8712 | 11/13/2024 | Credit | Missing Doc | Missing Verification of Rent | Missing rent free letter from third party. Final 1003 indicates the borrower has no primary housing expense and all real eState owned are XXX properties. | provided the rent free Letter | Document provided is sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/13/2024 | D A |
| XXX | XXXXX | 304425117 | finding-3352 | 11/18/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/18/2024 | A |
| XXX | XXXXX | 304425117 | FCRE8999 | 11/18/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/18/2024 | A |
| XXX | XXXXX | 304426217 | FCOM8997 | 12/04/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304426217 | FCRE1316 | 12/05/2024 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require verification of existence of business within XXX calendar days of close by a third party for borrower and co-borrower self-employed business, which is missing from the loan file. | provided the SOS for business | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | D A |
| XXX | XXXXX | 304426217 | FCRE1347 | 12/05/2024 | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Guidelines require verification of existence of business within XXX calendar days of close by a third party for borrower and co-borrower self-employed business, which is missing from the loan file. | provided the SOS for business | Documentation provided is sufficient. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | D A |
| XXX | XXXXX | 304425125 | finding-3352 | 12/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304425125 | FCRE8999 | 12/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304425166 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304425166 | FCRE8999 | 11/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/26/2024 | A |
| XXX | XXXXX | 304425116 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304425116 | FCRE1173 | 11/22/2024 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | Provided the HO6 master policy | Document provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/22/2024 | D A |
| XXX | XXXXX | 304432220 | finding-3352 | 12/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304432220 | FCRE8999 | 12/29/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/29/2024 | A |
| XXX | XXXXX | 304425115 | finding-3352 | 11/25/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304425115 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304425182 | finding-3352 | 11/25/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304425182 | FCRE1156 | 11/25/2024 | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Named Insured does not match Borrower(s) Name(s) Missing the names of the borrowers on the declaration page. Dec page only shows the name of non-borrowing title holders | Provided insurance dec page, showing XXX & XXX both added on page XXX of XXX under additional interest schedule | Document provided is sufficient. Exception resolved.; Named Insured matches Borrower(s) Name(s) | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2024 | C A |
| XXX | XXXXX | 304425177 | finding-3352 | 11/15/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304425177 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304425175 | finding-3352 | 11/15/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304425175 | finding-2962 | 11/15/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304425175 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304433063 | finding-3352 | 12/16/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304433063 | finding-2502 | 12/16/2024 | Compliance | Points & Fees | XXX Home Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX nonprime home loan test. The loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304433063 | FCRE8999 | 12/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304427020 | FCOM8997 | 12/16/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304427020 | FCRE7497 | 12/16/2024 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Initial XXX & Credit Report shows borrower associated with property XXX. Fraud Report shows that the mortgage associated with the property is XXX; the Credit Report shows mortgage XXX #XXX with a monthly payment of $XXX. Inital XXX also shows escrows in the amount of $XXX. Final 1003 does not include property and mortgage payment; also, unable to locate current mortgage Statement and or current Tax Certificate, Hazard policy and HOA (if applicable). Per FNMA guidelines monthly mortgage payment must be included in debts. | Provide the CD to reflect that the property at XXX has been sold | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2024 | D A |
| XXX | XXXXX | 304425272 | FCOM8997 | 12/05/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% n/a \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304425272 | FVAL5524 | 12/03/2024 | Credit | Property | Ineligible Property | The subject property is zoned agricultural and therefore is ineligible for XXX program. The file does not contain evidence of an approved exception request for the ineligible property type. |  | Exception is non-material and graded as level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% n/a \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Acknowledged |  | No C B |
| XXX | XXXXX | 304425272 | FPRO3678 | 12/03/2024 | Credit | Property Issue | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. The appraisal shows the subject property as zoned XXX in XXX which means it's zoned agricultural and according to XXX guidelines is ineligible for financing. In addition, the property is on XXX acres of land. The file does does not contain evidence of an exception request and therefore does not meet program parameters. |  | Exception granted by client as property is residential in nature. Exception is non-material and graded as level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% n/a \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Acknowledged |  | No C B |
| XXX | XXXXX | 304425888 | finding-3352 | 12/09/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304425888 | FCRE8999 | 12/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304425169 | FCOM8997 | 12/04/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304425169 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304427019 | FCOM8997 | 12/03/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304427019 | FCRE8999 | 12/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304425271 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304425271 | finding-2623 | 11/22/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304425271 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304425602 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304425602 | FCRE8999 | 12/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304425751 | FCOM8997 | 12/05/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304425751 | FCRE8999 | 12/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304432219 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304432219 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304437963 | FCOM8997 | 01/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304437963 | FCRE8999 | 01/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304428911 | finding-3352 | 12/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304428911 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304426201 | finding-3352 | 11/15/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304426201 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304425269 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304425269 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304427018 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. NA, non QM loan |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304427018 | FCRE8999 | 12/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304425750 | finding-3352 | 11/25/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304425750 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304428173 | finding-3352 | 12/19/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304428173 | FCRE8999 | 12/20/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304429178 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304429178 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML Compliant; HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304425749 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304425749 | FCRE8999 | 12/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304425748 | FCOM8997 | 12/10/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304425748 | FCRE1173 | 12/10/2024 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy lender to provide Master Certificate. Per certification of Condo project; This project has the required hazard, flood, fidelity bond and liability coverage in effect as required for the project type. | Provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/10/2024 | D A |
| XXX | XXXXX | 304427467 | finding-3352 | 11/26/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/26/2024 | A |
| XXX | XXXXX | 304427467 | FCRE8999 | 11/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/26/2024 | A |
| XXX | XXXXX | 304425886 | FCOM8997 | 12/03/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304425886 | FCRE8999 | 12/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304426361 | finding-3352 | 11/18/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/18/2024 | A |
| XXX | XXXXX | 304426361 | FCRE1193 | 11/19/2024 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% - Lender excluded debt for XXX/XXX #XXX from DTI with no supporting documentation to verify the reason for exclusion. | updated approval and lox XXX; Verif XXX Loan XXX | Documents provided are sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Exception remains. The income and liabilities have been updated per lender updated documents, however, the DTI is now XXX% > XXX% max allowed per guidelines. The lender has not included the REO debt of $XXX for XXX located at XXX. All other income and liabilities are matching. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/19/2024 | C A |
| XXX | XXXXX | 304429177 | FCOM8997 | 11/25/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304429177 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304426216 | finding-3352 | 11/25/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304426216 | FCRE8999 | 11/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304427790 | FCOM8997 | 11/26/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/26/2024 | A |
| XXX | XXXXX | 304427790 | FCRE8999 | 11/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/26/2024 | A |
| XXX | XXXXX | 304426358 | finding-3352 | 11/25/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304426358 | FCRE9814 | 11/27/2024 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement | Provided the Trust agreement | Document provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/27/2024 | D A |
| XXX | XXXXX | 304426691 | finding-3352 | 11/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304426691 | FCRE8999 | 11/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304432293 | FCOM8997 | 12/05/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304432293 | FCRE1326 | 12/04/2024 | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Borrower 1 YTD Profit & Loss Missing - Missing YTD Profit and Loss Statements for Borrower's businesses to meet the XXX days age of income documentation allowed by Guidelines. Loan file contains Year XXX and XXX 1040s only. | Per our guidelines and FNMA: Based on the information on the loan application, it appears that all XXX self-employed businesses have been in existence for at least XXX years and may be eligible to be documented with one year of personal tax returns. If any of the self-employed income is being used for qualifying purposes, the income may be supported by personal tax returns covering the most recent one-year period (including all tax schedules) , provided the tax returns reflect at least XXX months of self-employment income, the borrower has XXX% or great ownership in the business for five consecutive years, and the Cash Flow Analysis (For XXX) or equivalent has been completed. Refer to the Selling Guide for additional information. \| If the self-employed income from any of the businesses listed below is being used for qualifying purposes, the income may be supported by business tax returns covering the most recent period as specified in the table below (including all tax schedules). The tax return must reflect at least XXX months of self-employment income, the borrower must have had XXX years or greater ownership in the business for at least five years for the use of one-year of return and the Cash Flow Analysis (Form XXX) or equivalent must have been completed. The requirement for business tax returns for each specific business listed below can be waived personal returns covering the most recent two-year period are obtained, and (XXX) the borrower has been self-employed in the same business for at least five years, (XXX) the borrower individual tax returns show an increase in self-employment income over the last two years, and (XXX) the borrower is paying the down payment and closing costs with his or her own funds, and is not using any funds from the business account to fund the transaction or satisfy applicable reserve requirements. Refer to the Selling Guide for additional information. \| | Explanation provided is sufficient. Exception resolved.; Borrower 1 YTD Profit & Loss Provided | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2024 | D A |
| XXX | XXXXX | 304432293 | FCRE1437 | 12/04/2024 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines - Guidelines require XXX year's signed 1040s/tax returns for self employed Borrowers, however the Form 1040s in file are for year XXX and XXX which are not consecutive years. | XXX returns; Provided the FNMA guideline that States only one year tax return required if business has more than XXX years in existence, this is why the XXX returns were provided, to show that borrower has had business more than XXX years; provided XXX signed tax return | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines; Guidelines specifically State two years tax returns are required if self-employed. Only if guides are silent do we refer to FNMA. Tax returns need to be consecutive. XXX returns are requested. Exception remains.; XXX Tax return already in file. We would need the XXX tax returns to fulfill the consecutive years request. XXX returns are in file, but we need XXX. Exception remains. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2024 | C A |
| XXX | XXXXX | 304432293 | 123ABJ | 12/04/2024 | Credit | Missing Doc | Missing VVOE dated within XXX days consummation | Missing verification of business existence required by Guidelines for Borrower's second Business - XXX | Provided 3rd party verification | Document provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2024 | D A |
| XXX | XXXXX | 304428171 | finding-3352 | 12/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304428171 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304426435 | FCOM8997 | 12/05/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304426435 | FCRE8999 | 12/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304437883 | finding-3352 | 01/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304437883 | FCRE1173 | 01/14/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy - Subject property is a condo, which requires a master building condo policy, which is missing from the loan file. | Provided the master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/14/2025 | D A |
| XXX | XXXXX | 304429018 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304429018 | FCRE8999 | 12/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304427015 | finding-3352 | 11/25/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304427015 | FCRE8999 | 11/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304432218 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304432218 | FCRE1196 | 12/04/2024 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Borrower's qualifying credit score is XXX, which qualifies for a CLTV of XXX%, not XXX%. The borrower is required to have a mid FICO of XXX to qualify for a XXX% CLTV/HLTV. |  | Received Client and Seller response requesting an exception for LTV/CLTV as it meets updated guidelines and XXX purchase criteria. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No C B |
| XXX | XXXXX | 304432218 | FCRE1195 | 12/04/2024 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Borrower's qualifying credit score is XXX, which qualifies for a CLTV of XXX%, not XXX%. The borrower is required to have a mid FICO of XXX to qualify for a XXX% CLTV/HLTV. |  | Received Client and Seller response requesting an exception for LTV/CLTV as it meets updated guidelines and XXX purchase criteria. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No C B |
| XXX | XXXXX | 304429727 | finding-3352 | 12/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2024 | A |
| XXX | XXXXX | 304429727 | FCRE8999 | 12/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2024 | A |
| XXX | XXXXX | 304427454 | finding-3352 | 12/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304427454 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304432511 | finding-3430 | 11/22/2024 | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | HPML compliant This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XXX CFR §XXX(b) (XXX) , (e) (XXX)) This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304432511 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304428910 | finding-3352 | 12/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304428910 | FCRE8999 | 12/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304427009 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304427009 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304428170 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304428170 | FCOM1221 | 11/22/2024 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Lender to provide correct Open-End Mortgage with B1 name corrected to match Note. | Provided the mortgage | Document provided is sufficient. Exception resolved.; The Deed of Trust is Present and Complete | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/22/2024 | D A |
| XXX | XXXXX | 304442638 | finding-3352 | 01/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304442638 | FCRE8999 | 01/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/08/2025 | A |
| XXX | XXXXX | 304427789 | finding-3352 | 12/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304427789 | finding-2962 | 12/13/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304427789 | FPRO1136 | 12/13/2024 | Credit | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Lender to provide copy of Completion report - Missing | Provided the 1004d | Documentation provided is sufficient. Exception resolved.; Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/13/2024 | C A |
| XXX | XXXXX | 304428169 | finding-2838 | 11/22/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report. While the XXX HOEPA Higher-Priced Mortgage Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304428169 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304428169 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304427464 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304427464 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304427786 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304427786 | FCRE9814 | 11/26/2024 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement | Provided the trust agreement | Document provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2024 | D A |
| XXX | XXXXX | 304427786 | FCRE7009 | 11/26/2024 | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of $XXX is less than required coverage required $XXX, which is combined 1st and 2nd lien. There is no evidence of any additional replacement cost. | Provided the HO6 master policy for this condo | Document provided is sufficient. Exception resolved.; Hazard Insurance coverage meets guideline requirement | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2024 | C A |
| XXX | XXXXX | 304427785 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304427785 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304428906 | FCOM8997 | 12/05/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304428906 | FCRE8999 | 12/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304428905 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304428905 | FCRE0360 | 12/03/2024 | Credit | Borrower | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. Missing 1st lien mortgage Statement with payment breakdown to verify PITIA. | Provided the mortgage Statement | Document provided is sufficient. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially present. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | C A |
| XXX | XXXXX | 304428168 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304428168 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304435441 | finding-3352 | 12/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304435441 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304436082 | finding-3430 | 12/27/2024 | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | HPML compliant This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XXX CFR §XXX(b) (XXX) , (e) (XXX)) This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304436082 | FCRE8999 | 12/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304428167 | finding-3352 | 12/24/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304428167 | FCRE8999 | 12/24/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304428184 | finding-764 | 12/10/2024 | Compliance | Points & Fees | IL XXX Threshold Loan Points and Fees Test | Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. Fees included in points and fees test are flood certification $XXX, disbursement fee $XXX, MERS registration fee $XXX, discount points $XXX, recording service fee $XXX, technology fee $XXX, third party underwriting fee $XXX, courier fee $XXX, title coordination fee $XXX, verification of employment fee $XXX, and verification of employment fee $XXX. This loan failed the threshold loan points and fees test. (Municipal Code of XXX § XX/XX/XXXX) The total points and fees of the mortgage exceed XXX% of the total loan amount in the case that the loan amount is $XXX or greater, or $XXX in the case that the loan amount is less than $XXX. |  | Received cure package (PCCD, LOE, Copy of refund check and proof of delivery to the borrower) from the client for testing. Exception cured; Received cure package (PCCD, LOE, Copy of refund check and proof of delivery to the borrower) from the client for testing. Exception cured | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Cured |  | C B |
| XXX | XXXXX | 304428184 | finding-773 | 12/10/2024 | Compliance | Points & Fees | XXX Threshold Loan Points and Fees Test | Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. Fees included in points and fees test are flood certification $XXX, disbursement fee $XXX, MERS registration fee $XXX, discount points $XXX, recording service fee $XXX, technology fee $XXX, third party underwriting fee $XXX, courier fee $XXX, title coordination fee $XXX, verification of employment fee $XXX, and verification of employment fee $XXX. This loan failed the threshold loan points and fees test. (XXX Ord. XXX § XXX "Threshold loan" (XXX)) The total points and fees of the mortgage exceed XXX% of the total loan amount in the case that the loan amount is $XXX or greater, or $XXX in the case that the loan amount is less than $XXX. | Attached includes check request, LOE, amended CD, copy of check, & FedEx label | Received cure package (PCCD, LOE, Copy of refund check and proof of delivery to the borrower) from the client for testing. Exception cured; Received cure package (PCCD, LOE, Copy of refund check and proof of delivery to the borrower) from the client for testing. Exception cured | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Cured |  | C B |
| XXX | XXXXX | 304428184 | finding-767 | 12/10/2024 | Compliance | Points & Fees | IL XXX Predatory Loan DTI Presumption Test | This loan failed the predatory loan DTI presumption test. (Municipal Code of XXX § XX/XX/XXXX(b) "Predatory Loan" (XXX)) The loan is a threshold loan and the debt-to-income (DTI) ratio of the obligor(s) exceeds XXX% or was not provided. The DTI ratio is one of several factors that should be considered when making any predatory loan. PLEASE NOTE: This result is not a determination that the financial institution reasonably believes at the time the loan is made that the borrower will be able to make the scheduled payments associated with the predatory loan. | DTI verification below XXX% | DTI calculated on the loan; Exception resolved; DTI calculated on the loan; Exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2024 | C A |
| XXX | XXXXX | 304428184 | finding-776 | 12/10/2024 | Compliance | Points & Fees | XXX Predatory Loan DTI Presumption Test | This loan failed the predatory loan DTI presumption test. (XXX Ord. XXX § XXX "Predatory loan" (XXX)) The loan is a threshold loan and the debt-to-income (DTI) ratio of the obligor(s) exceeds XXX% or was not provided. The DTI ratio is one of several factors that should be considered when making any predatory loan. PLEASE NOTE: This result is not a determination that the lender reasonably believes at the time the loan is made that the borrower will be able to make the scheduled payments associated with the predatory loan. |  | DTI calculated on the loan; Exception resolved; DTI calculated on the loan; Exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2024 | C A |
| XXX | XXXXX | 304428184 | FCRE8999 | 12/12/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2024 | A |
| XXX | XXXXX | 304436419 | FCOM8997 | 12/04/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304436419 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304428757 | finding-3352 | 12/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304428757 | FCRE8999 | 12/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304436362 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304436362 | finding-2962 | 12/03/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304436362 | FCRE8999 | 12/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304428836 | finding-3352 | 01/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/06/2025 | A |
| XXX | XXXXX | 304428836 | finding-2623 | 01/06/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/06/2025 | A |
| XXX | XXXXX | 304428836 | FCRE1173 | 01/06/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | Provided the HO6 and master HO6 policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/06/2025 | D A |
| XXX | XXXXX | 304436317 | finding-842 | 12/30/2024 | Compliance | Points & Fees | AR HB XXX High Cost Home Loan Points and Fees Threshold Test | This loan failed the high cost home loan points and fees threshold test due to one of the following findings: (XXX XX/XX/XXXX Definitions, (XXX) (A)) The total points and fees (as defined in the legislation) exceed XXX% of the total loan amount (as defined in the legislation) if the total loan amount is $XXX or more. The total points and fees exceed XXX% of the total loan amount if the total loan amount is more than $XXX but less than $XXX. The total points and fees exceed XXX% of the total loan amount if the total loan amount is $XXX or less. The following fees were included in testing:Document Signing Fee paid by Borrower: $XXX Funding, Wire, or Disbursement Fee paid by Borrower: $XXX MERS Registration Fee paid by Borrower: $XXX Points - Loan Discount Fee paid by Borrower: $XXX Rate Lock Fee paid by Borrower: $XXX Recording Service Fee paid by Borrower: $XXX Technology Fee paid by Borrower: $XXX Third Party Processing paid by Borrower: $XXX Title - Coordination Fee paid by Borrower: $XXX Title Courier Fee paid by Borrower: $XXX Underwriting Fee paid by Borrower: $XXX | Attached copy of cure check; Attached check request package includes amended PCCD with LOE and FedEx label used for refund. Will provide copy of check once available.; Can you please advise on the cure amount due that you are calculating? | Cure package provided to borrower; Exception downgraded to a 2/B; Cure package provided to borrower; Exception downgraded to a 2/B; Upon receipt of the check copy, the exception will be downgraded. ; Cure amount of $XXX required. Cure package requires PCCD, LOE, copy of check and proof of delivery | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Cured |  | C B |
| XXX | XXXXX | 304436317 | finding-3352 | 12/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304436317 | FCRE8999 | 12/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304458225 | finding-3352 | 01/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304458225 | FCRE8999 | 01/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304428835 | FCOM8997 | 11/27/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304428835 | FCRE1173 | 11/27/2024 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | Provided the HO6 master polcy | Document provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/27/2024 | D A |
| XXX | XXXXX | 304428834 | finding-3352 | 12/17/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/17/2024 | A |
| XXX | XXXXX | 304428834 | finding-2962 | 12/17/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/17/2024 | A |
| XXX | XXXXX | 304428834 | FCRE1173 | 12/17/2024 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Subject is a Condo and as per guidelines a HO-XXX Master Insurance Policy is required. | provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/17/2024 | D A |
| XXX | XXXXX | 304428834 | FCRE7496 | 12/17/2024 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Verification of Subject Property HOA payment is missing. | Provided the HOA Questionnaire with verification of HOA dues | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/17/2024 | D A |
| XXX | XXXXX | 304428904 | finding-3352 | 12/19/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304428904 | FCRE8999 | 12/19/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304429118 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304429118 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304432234 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304432234 | FVAL9739 | 12/04/2024 | Credit | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: The Property Condition Inspection report indicates potential risks exist and that significant repairs were needed. However, no additional information was obtained to confirm the property is eligible for financing and meets lender guidelines. | Provided the updated PCI | Documentation provided is sufficient. Exception resolved.; Property/Appraisal Meets Guidelines | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | C A |
| XXX | XXXXX | 304428897 | finding-3352 | 12/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2024 | A |
| XXX | XXXXX | 304428897 | FCRE8999 | 12/23/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/23/2024 | A |
| XXX | XXXXX | 304432217 | finding-3352 | 12/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304432217 | FCRE1173 | 12/16/2024 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Subject Property is a Condo and as per guidelines a Master Insurance Policy is required. | provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/16/2024 | D A |
| XXX | XXXXX | 304428895 | finding-3352 | 11/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304428895 | FCRE8999 | 11/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304428894 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304428894 | FCOM1233 | 11/25/2024 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Section XXX & XXX not provided. | Provided pages XXX and XXX of the Final 1003 | Document provided is sufficient. Exception resolved.; The Final 1003 is Present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/25/2024 | D A |
| XXX | XXXXX | 304435440 | finding-3352 | 01/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/19/2025 | A |
| XXX | XXXXX | 304435440 | finding-2261 | 01/19/2025 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/19/2025 | A |
| XXX | XXXXX | 304435440 | FCRE1316 | 01/20/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing - Borrower 1 verification of Business existence exceeds XXX business days of close allowed by Guidelines. VVOE is dated XX/XX/XXXX and closing date is XX/XX/XXXX. | 3rd party voe | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2025 | D A |
| XXX | XXXXX | 304433128 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304433128 | FCRE8999 | 12/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304429103 | finding-3352 | 01/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304429103 | FCRE1193 | 01/13/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The lender excluded the mortgage monthly payment encumbering property XXX. The mortgage Statement was provided reflect borrower's name is not on the Statement, but the mortgage loan is on the borrower's credit and the borrower signed the Note. The lender guidelines are silent, however, according to FNMA Selling Guidelines, If the borrower is not responsible for the monthly expenses associated with this property, XXX-months cancelled checks is required supporting the borrower does not pay the monthly expenses for this property. If the property is included in DTI, the DTI exceeds maximum allowed of XXX%. | verif paid by other party | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | C A |
| XXX | XXXXX | 304429103 | FCRE7497 | 01/13/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Loan file is missing evidence of property taxes for the property located at XXX. | Provided the tax bill | Documentation provided is sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | D A |
| XXX | XXXXX | 304440020 | FCOM8997 | 12/10/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304440020 | FCRE8999 | 12/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304429117 | finding-3352 | 12/10/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304429117 | FCRE8999 | 12/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304429128 | finding-2962 | 11/25/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304429128 | finding-3352 | 11/25/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304429128 | FCRE1173 | 11/25/2024 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Master policy for the condo is missing. | Provided the HO6 master policy | Document provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2024 | D A |
| XXX | XXXXX | 304429128 | FCRE7496 | 11/25/2024 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Underwriting Summary shows a payment of $XXX in "other" monthly payment for subject property, but no evidence or documentation verifying this monthly amount. | Provided doc reflecting payment for HOA dues | Document provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2024 | D A |
| XXX | XXXXX | 304432932 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304432932 | FCRE8999 | 12/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304431548 | finding-3352 | 11/26/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/26/2024 | A |
| XXX | XXXXX | 304431548 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304429168 | FCOM8997 | 11/25/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304429168 | FCRE9814 | 11/27/2024 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement | Provided the Trust agreement | Document provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/27/2024 | D A |
| XXX | XXXXX | 304429724 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304429724 | FCRE8999 | 11/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/26/2024 | A |
| XXX | XXXXX | 304432216 | finding-3352 | 12/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/06/2024 | A |
| XXX | XXXXX | 304432216 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304432399 | FCOM8997 | 12/26/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304432399 | FCRE8999 | 12/24/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304442459 | finding-3352 | 01/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304442459 | FCRE8999 | 01/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304429723 | FCOM8997 | 12/05/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304429723 | FCRE8999 | 12/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304431546 | finding-3352 | 12/10/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304431546 | FCRE8999 | 12/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304432581 | finding-3352 | 02/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304432581 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304432231 | finding-3352 | 12/09/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304432231 | FCRE8999 | 12/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304432292 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304432292 | finding-2978 | 11/22/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations. While the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304432292 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304432398 | finding-3352 | 12/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304432398 | FCRE6019 | 12/05/2024 | Credit | Missing Doc - Credit | Borrower 1 citizenship Documentation not provided | Borrower 1 citizenship Documentation Is Missing The file is missing a copy of the borrower's ID/fully executed Patriot Act form. Please provide a copy of the borrower's ID/or fully executed Patriot Act form validating the borrower's identity. | Provided the updated Patriot Act form | Documentation provided is sufficient. Exception resolved.; Borrower 1 citizenship Documentation Provided or Not Required | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/05/2024 | D A |
| XXX | XXXXX | 304432244 | finding-3352 | 12/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304432244 | finding-2962 | 12/30/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304432244 | FCRE8999 | 12/31/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/31/2024 | A |
| XXX | XXXXX | 304437851 | FCOM8997 | 12/04/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304437851 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304432291 | FCOM8997 | 11/27/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304432291 | FCRE8999 | 11/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304432290 | finding-3352 | 12/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304432290 | FCRE8999 | 12/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304432288 | finding-3352 | 11/25/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304432288 | FCRE1204 | 11/25/2024 | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Missing a Sam.gov search for borrower, a possible match found per Fraud Report. | Provided the Sam.gov report | Document provided is sufficient. Exception resolved.; All Fraud Report Alerts have been cleared or None Exist | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/25/2024 | C A |
| XXX | XXXXX | 304432509 | finding-3352 | 12/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304432509 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304432930 | FCOM8997 | 01/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304432930 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304432507 | finding-3352 | 12/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/06/2024 | A |
| XXX | XXXXX | 304432507 | FCRE8999 | 12/06/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/06/2024 | A |
| XXX | XXXXX | 304436530 | finding-3352 | 12/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304436530 | FCRE8999 | 12/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304433127 | FCOM8997 | 01/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304433127 | FCRE8999 | 01/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304437472 | finding-3352 | 12/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304437472 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304432721 | FCOM8997 | 12/09/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304432721 | FCRE8999 | 12/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304432879 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304432879 | FCRE8999 | 11/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2024 | A |
| XXX | XXXXX | 304432719 | finding-3352 | 12/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/06/2024 | A |
| XXX | XXXXX | 304432719 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304432944 | finding-3352 | 11/25/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304432944 | finding-2962 | 11/25/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304432944 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304436529 | FCOM8997 | 12/16/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304436529 | FCRE8999 | 12/16/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304432877 | finding-3352 | 12/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304432877 | FCRE8999 | 12/16/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304457468 | FCOM8997 | 01/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304457468 | FCRE1437 | 01/24/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Borrower has been on his current job since XX/XX/XXXX. Guidelines require a XXX month employment history to be verified. His previous employment was as a Sole Proprietor. We need documentation for this position (XXX years Sched C, business license, or other documentation to verify his employment). | Provided 2022 and 2023 tax returns with page XXX signed | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/24/2025 | C A |
| XXX | XXXXX | 304432940 | finding-3352 | 11/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304432940 | finding-2261 | 11/27/2024 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML Compliant This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304432940 | FCRE8999 | 11/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304436316 | finding-3352 | 12/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304436316 | FCRE8999 | 12/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304436315 | FCOM8997 | 11/25/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304436315 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304435424 | finding-3352 | 12/09/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304435424 | FCRE1173 | 12/09/2024 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Subject Property is a Condo and Master Policy is missing. | Provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2024 | D A |
| XXX | XXXXX | 304433125 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304433125 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304435439 | finding-3352 | 12/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/22/2024 | A |
| XXX | XXXXX | 304435439 | FCRE8999 | 12/21/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/21/2024 | A |
| XXX | XXXXX | 304436079 | finding-3352 | 12/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304436079 | finding-2962 | 12/13/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304436079 | FCRE8999 | 12/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304436298 | finding-3352 | 12/16/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304436298 | FCRE8999 | 12/16/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304436313 | FCOM8997 | 11/26/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/26/2024 | A |
| XXX | XXXXX | 304436313 | FCRE1193 | 11/26/2024 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% - Lender used a lower monthly payment for XXX Open XXX day account with balance of $XXX on credit report. Per Guidelines, XXX% of the payment being $XXX would be applied to DTI, however lender used a lower monthly payment of $XXX with no supporting documentation. | verification of XXX payment per Statement | Document provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/26/2024 | C A |
| XXX | XXXXX | 304436313 | FCRE7497 | 11/26/2024 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing supporting documentation to verify monthly payment of $XXX for second mortgage on Borrower's XXX, per Final 1003. | Provided the MLS | Document provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/26/2024 | D A |
| XXX | XXXXX | 304436312 | FCOM8997 | 11/27/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304436312 | FCRE8999 | 11/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304441630 | finding-3352 | 12/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304441630 | FCRE8999 | 12/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304436355 | finding-3352 | 12/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/06/2024 | A |
| XXX | XXXXX | 304436355 | FCRE8999 | 12/06/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/06/2024 | A |
| XXX | XXXXX | 304436354 | finding-3352 | 12/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304436354 | FCRE8999 | 12/06/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/06/2024 | A |
| XXX | XXXXX | 304436418 | finding-3352 | 12/10/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304436418 | FCRE8999 | 12/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304443058 | FCOM8997 | 01/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304443058 | FCRE8999 | 01/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304436578 | FCOM8997 | 12/03/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304436578 | FCRE8999 | 12/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304436444 | finding-3352 | 12/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304436444 | FCRE8999 | 12/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304436461 | finding-3352 | 01/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/07/2025 | A |
| XXX | XXXXX | 304436461 | FCRE8999 | 01/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/06/2025 | A |
| XXX | XXXXX | 304436540 | finding-3352 | 12/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304436540 | FCRE8999 | 12/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304438493 | finding-3352 | 12/20/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304438493 | FCRE8999 | 12/19/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304468379 | FCOM8997 | 01/18/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/18/2025 | A |
| XXX | XXXXX | 304468379 | FCRE1254 | 01/20/2025 | Credit | Title | Property Title Issue | Property Title Issue Title shows Proposed Policy Coverage Amount of $XXX; per executed Note & Deed loan amount is $XXX. | Title | Documentation provided is sufficient. Exception resolved.; Property Title Issue Resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/20/2025 | C A |
| XXX | XXXXX | 304436576 | finding-3352 | 12/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304436576 | finding-2962 | 12/05/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304436576 | FCRE8999 | 12/08/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2024 | A |
| XXX | XXXXX | 304436640 | finding-3352 | 01/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304436640 | FCRE1322 | 01/20/2025 | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Borrower 1 Business Tax Returns Missing Could not locate the full/complete XXX tax returns in the loan file. | TAX Return lox | Documentation provided is sufficient. Exception resolved.; Borrower 1 Business Tax Returns Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2025 | D A |
| XXX | XXXXX | 304436639 | FCOM8997 | 12/03/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304436639 | FCRE8999 | 12/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304437709 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304437709 | finding-2261 | 12/03/2024 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML Compliant This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304437709 | FCRE8999 | 12/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304436652 | finding-3352 | 12/26/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304436652 | FCRE8999 | 12/24/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304436721 | FCOM8997 | 12/27/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304436721 | FCRE1316 | 12/27/2024 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Provide the missing Verification of Employment for Borrower 1 within XXX business days prior to closing. The most recent provided is dated XX/XX/XXXX. | voe | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/27/2024 | D A |
| XXX | XXXXX | 304436637 | FCOM8997 | 03/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304436637 | FCRE8999 | 03/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304437020 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304437020 | FCRE1437 | 12/03/2024 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines - Missing income documentation to verify Borrower's Social Security and Retirement income per Final 1003. | Provided the SSI and Pension docs | Documents provided are sufficient. Exception resolved.; Income and Employment Meet Guidelines | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | C A |
| XXX | XXXXX | 304436650 | finding-3352 | 02/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304436650 | finding-2962 | 02/11/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304436650 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304436649 | finding-3352 | 12/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304436649 | FCRE8999 | 12/12/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/12/2024 | A |
| XXX | XXXXX | 304436728 | finding-3352 | 12/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304436728 | FCRE8999 | 12/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304436827 | finding-3352 | 12/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304436827 | finding-2502 | 12/05/2024 | Compliance | Points & Fees | XXX Home Loan Test | HPML compliant, This loan failed the XXX nonprime home loan test. The loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304436827 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304437364 | FCOM8997 | 01/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304437364 | FCRE8999 | 01/15/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304436826 | FCOM8997 | 12/21/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/21/2024 | A |
| XXX | XXXXX | 304436826 | FCRE8999 | 12/20/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304436899 | FCOM8997 | 01/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304436899 | FCRE8999 | 01/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304443255 | finding-3352 | 01/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304443255 | finding-2962 | 01/28/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304443255 | FCRE1347 | 01/28/2025 | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing | provided the VOE for B2 (XXX) | Documentation provided is sufficient. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/28/2025 | D A |
| XXX | XXXXX | 304437424 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304437424 | FCRE6019 | 12/04/2024 | Credit | Missing Doc - Credit | Borrower 1 citizenship Documentation not provided | Borrower 1 citizenship Documentation Is Missing Verified Patriot Act Form for Borrower 1 does not reflect the expiration date of the Driver's License issued on XX/XX/XXXX | Provided the updated patriot act form | Documentation provided is sufficient. Exception resolved.; Borrower 1 citizenship Documentation Provided or Not Required | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | D A |
| XXX | XXXXX | 304437440 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304437440 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304437439 | finding-3352 | 12/09/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304437439 | FCRE1195 | 12/09/2024 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Per the Eligibility Matrix the borrower requires a XXX mid credit FICO score to go to XXX% LTV/CLTV the borrower has a XXX mid credit score the max LTV/CLTV allowed is XXX% and there does not appear to be an exception in file. |  | Received Client and Seller response requesting an exception for LTV/CLTV as it meets updated guidelines and XXX purchase criteria. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No C B |
| XXX | XXXXX | 304437439 | FCRE1196 | 12/09/2024 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Per the Eligibility Matrix the borrower requires a XXX mid credit FICO score to go to XXX% LTV/CLTV the borrower has a XXX mid credit score the max LTV/CLTV allowed is XXX% and there does not appear to be an exception in file. |  | Received Client and Seller response requesting an exception for LTV/CLTV as it meets updated guidelines and XXX purchase criteria. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No C B |
| XXX | XXXXX | 304437470 | FCOM8997 | 12/17/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2024 | A |
| XXX | XXXXX | 304437470 | FCRE8999 | 12/17/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2024 | A |
| XXX | XXXXX | 304437850 | FCOM8997 | 12/23/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/23/2024 | A |
| XXX | XXXXX | 304437850 | FCRE8999 | 12/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/22/2024 | A |
| XXX | XXXXX | 304437467 | finding-3352 | 12/24/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%, \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304437467 | FCRE8999 | 12/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%, \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304458224 | finding-3352 | 12/19/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304458224 | FCRE8999 | 12/21/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/21/2024 | A |
| XXX | XXXXX | 304437707 | finding-3352 | 12/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304437707 | FCRE8999 | 12/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304437532 | finding-3352 | 12/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304467084 | finding-3352 | 01/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304467084 | finding-2261 | 01/14/2025 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304467084 | FCRE7497 | 01/13/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation to support housing expense of $XXX for XXX and proof owned free and clear. | Provided property report reflecting that there was a release/satisfaction of mortgage recorded | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2025 | D A |
| XXX | XXXXX | 304438490 | FCOM8997 | 12/06/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/06/2024 | A |
| XXX | XXXXX | 304438490 | FCRE8999 | 12/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304442401 | finding-3352 | 01/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/18/2025 | A |
| XXX | XXXXX | 304442401 | FCRE8999 | 01/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304439218 | finding-3352 | 01/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/04/2025 | A |
| XXX | XXXXX | 304439218 | FCRE8999 | 01/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/03/2025 | A |
| XXX | XXXXX | 304437804 | FCOM8997 | 12/03/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304437804 | FCRE8999 | 12/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304439342 | finding-3352 | 12/24/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304439342 | FCRE8999 | 12/24/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304437848 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304437848 | finding-2623 | 12/03/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304437848 | FCRE8999 | 12/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304438489 | FCOM8997 | 12/09/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304438489 | FCRE8999 | 12/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304456440 | finding-3352 | 12/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304456440 | FCRE8999 | 01/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/02/2025 | A |
| XXX | XXXXX | 304437951 | finding-3352 | 12/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304437951 | FCRE8999 | 01/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/02/2025 | A |
| XXX | XXXXX | 304438486 | finding-3352 | 12/24/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304438486 | finding-2962 | 12/24/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304438486 | FCRE8999 | 12/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/22/2024 | A |
| XXX | XXXXX | 304438484 | finding-3352 | 12/10/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304438484 | FCRE8999 | 12/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304438481 | FCOM8997 | 12/27/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304438481 | FCRE8999 | 12/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304442973 | FCOM8997 | 01/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/06/2025 | A |
| XXX | XXXXX | 304442973 | FCRE8999 | 01/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/06/2025 | A |
| XXX | XXXXX | 304443240 | finding-3352 | 12/26/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304443240 | FCRE8999 | 12/24/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304443996 | finding-3352 | 01/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guideline's; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/03/2025 | A |
| XXX | XXXXX | 304443996 | FCRE8999 | 01/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/03/2025 | A |
| XXX | XXXXX | 304438465 | FCOM8997 | 12/10/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304438465 | FCRE8999 | 12/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304438462 | finding-3352 | 12/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304438462 | finding-2978 | 12/13/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations. While the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304438462 | FCRE8999 | 12/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304440099 | finding-3352 | 12/10/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304440099 | FCRE8999 | 12/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304442677 | finding-3352 | 12/16/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304442677 | FCRE8999 | 12/16/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304444770 | finding-3352 | 01/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304444770 | FCRE8999 | 01/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304438455 | FCOM8997 | 12/04/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304438455 | FCRE8999 | 12/06/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/06/2024 | A |
| XXX | XXXXX | 304438454 | finding-3352 | 12/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304438454 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304441646 | finding-3352 | 12/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304441646 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304439182 | finding-3352 | 12/09/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304439182 | FCRE8999 | 12/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304438453 | finding-3430 | 12/19/2024 | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XXX CFR §XXX(b) (XXX) , (e) (XXX)) This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. HPML compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304438453 | FCRE8999 | 12/19/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304438451 | FCOM8997 | 12/20/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304438451 | FCRE5116 | 12/20/2024 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Per FNMA guidelines, housing payment for borrower's principal residence must be considered when subject property is an XXX or XXX; unable to locate VOR or equivalent documentation showing proof rental payment and supporting rental monthly payment of $XXX | Provided the VOR | Documentation provided is sufficient. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/20/2024 | D A |
| XXX | XXXXX | 304438450 | finding-3352 | 12/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304438450 | FCRE8999 | 12/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304442971 | finding-3352 | 01/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/18/2025 | A |
| XXX | XXXXX | 304442971 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304440098 | finding-3352 | 01/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - \| Original LTV is Below the Guideline Maximum - \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304440098 | FCRE8999 | 01/15/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - \| Original LTV is Below the Guideline Maximum - \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304438445 | finding-697 | 12/11/2024 | Compliance | Points & Fees | GAFLA XXX/XXX High Cost Home Loan Points and Fees Threshold Test | This loan has terms that exceed the high-cost home loan points and fees threshold. (XXX-6A-XXX(XXX) ,(XXX) (B)) The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:XXX percent of the total loan amount if the total loan amount is $XXX or more. The lesser of XXX percent of the total loan amount or $XXX if the total loan amount is less than $XXX. Cure required: Refund in the amount of $XXX; Cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The cure amount is for fees that exceeded according to the XXX Fair Lending Act Points and Fees Threshold. The following fees were included in the testing: Funding, Wire, or Disbursement Fee paid by Borrower: $XXX MERS Registration Fee paid by Borrower: $XXX Points - Loan Discount Fee paid by Borrower: $XXX Rate Lock Fee paid by Borrower: $XXX Recording Service Fee paid by Borrower: $XXX Technology Fee paid by Borrower: $XXX Third Party Processing paid by Borrower: $XXX Title - Travel Fee paid by Borrower: $XXX Title Courier Fee paid by Borrower: $XXX Title Processing Fee paid by Borrower: $XXX | Attached includes check request, LOE, amended CD, copy of check, and FedEx label | Received cure package (PCCD, LOE, Copy of refund Check and proof of delivery to the borrower) from the client for testing. Exception cured.; Received cure package (PCCD, LOE, Copy of refund Check and proof of delivery to the borrower) from the client for testing. Exception cured. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Cured |  | C B |
| XXX | XXXXX | 304438445 | FCRE8999 | 12/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304438445 | FVAL3825 | 12/13/2024 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. | PCI | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/13/2024 | C A |
| XXX | XXXXX | 304438444 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304438444 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304438442 | finding-3352 | 12/19/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304438442 | FCRE8999 | 12/19/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304438441 | FCOM8997 | 12/10/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304438441 | FCRE8999 | 12/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304439272 | finding-3352 | 12/10/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304439272 | FCRE8999 | 12/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304438611 | finding-3352 | 12/19/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304438611 | finding-2978 | 12/19/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations. While the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304438611 | FCRE8999 | 12/19/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304438663 | FCOM8997 | 01/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304438663 | FCRE1173 | 01/10/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy - Subject property is a condominium and loan file missing Condo Master Building Policy for review. | provided the master policy; Provided the master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present; Master policy requested. Document provided does not have the policy attached. Please provide the Master policy. Exception remains. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/10/2025 | D A |
| XXX | XXXXX | 304439180 | finding-3352 | 12/19/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304439180 | FCRE1157 | 12/19/2024 | Credit | Missing Doc | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy The Hazard insurance policy for the subject property is missing from the loan file. | Provided the HOI | Documentation provided is sufficient. Exception resolved.; Hazard Insurance Policy is fully present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/19/2024 | D A |
| XXX | XXXXX | 304438657 | FCOM8997 | 12/04/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304438657 | FCRE8999 | 12/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304439178 | finding-3352 | 12/10/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304439178 | FCRE8999 | 12/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304440097 | FCOM3531 | 02/17/2025 | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (XX/XX/XXXX.XXX(c) (XXX)) | Evidence of Appraisal Delivery to the Borrower Not Provided. | Appraisal report received by Borrower 1 XX/XXX/XXX. Loan closed XX/XX/XXXX. | Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower Not Provided.; Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower Not Provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | C A |
| XXX | XXXXX | 304440097 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML not compliant/missing appraisal delivery, unable to downgrade. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Non-QM HP loan with full appraisal present in file. Appraisal was received more than XXX days prior to closing. | Appraisal receipt provided; HPML compliant - Exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | C A |
| XXX | XXXXX | 304440097 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304439339 | finding-3352 | 12/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304439339 | FCRE8999 | 12/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304439216 | finding-3430 | 12/11/2024 | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | HPML compliant This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XXX CFR §XXX(b) (XXX) , (e) (XXX)) This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304439216 | FCRE8999 | 12/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304442400 | finding-3352 | 01/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304442400 | finding-2962 | 01/13/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304442400 | FCRE8999 | 01/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304462109 | finding-3352 | 01/15/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304462109 | FCRE7495 | 01/15/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | An XXX Installment account with a balance of $XXX and monthly payment of $XXX is listed on the Final 1003, but debt is not reflected on the borrower's credit report and no supporting documents in file verifying this liability. | Provided the XXX account Statement | Documentation provided is sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/15/2025 | D A |
| XXX | XXXXX | 304440017 | finding-3352 | 12/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304440017 | FCRE6636 | 12/27/2024 | Credit | Missing Doc | Missing Income - Award Letter | XXX is receiving the social security income for XXX per Fannie Mae guidelines State if the income is drawn from another account need proof of current receipt and three years continuance. | verif ss receipt XXX | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/27/2024 | D A |
| XXX | XXXXX | 304439336 | FCOM8997 | 12/10/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304439336 | FCRE8999 | 12/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304441490 | finding-3352 | 01/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304441490 | FCRE8999 | 01/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304441627 | finding-3352 | 12/16/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304441627 | FCRE8999 | 12/16/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304443156 | finding-3352 | 12/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304443156 | FCRE8999 | 12/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304440012 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304440012 | FCRE1764 | 01/27/2025 | Credit | Missing Doc | Missing Verification of Mortgage | - 1st lien Statement required with payment breakdown to verify P&I and most recent XXX. | Provided the credit supplement, note to reflect the payment, and processor cert verifying this information | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/27/2025 | D A |
| XXX | XXXXX | 304440095 | finding-3352 | 12/20/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304440095 | finding-2962 | 12/20/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304440095 | FCRE8999 | 12/19/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304440264 | finding-3352 | 12/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304440264 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304440092 | finding-3352 | 12/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304440092 | FCRE8999 | 12/16/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304440263 | finding-3352 | 12/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304440263 | finding-2623 | 12/13/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304440263 | FCRE8999 | 12/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304440262 | finding-3352 | 12/09/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304440262 | FCRE8999 | 12/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304440261 | finding-3352 | 12/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; ; | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/22/2024 | A |
| XXX | XXXXX | 304440261 | FCRE8999 | 12/23/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/23/2024 | A |
| XXX | XXXXX | 304441827 | finding-3352 | 01/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/18/2025 | A |
| XXX | XXXXX | 304441827 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304441483 | finding-3352 | 12/10/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304441483 | FCRE8999 | 12/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304441482 | finding-3352 | 12/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304441482 | finding-2623 | 12/27/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304441482 | FCRE8999 | 12/28/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/28/2024 | A |
| XXX | XXXXX | 304441487 | finding-3352 | 01/15/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304441487 | FCRE8999 | 01/15/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304443479 | finding-3352 | 12/20/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304443479 | FCRE8999 | 12/20/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304441624 | finding-3352 | 12/19/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304441624 | FCRE8999 | 12/19/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304441621 | finding-3352 | 12/26/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304441621 | finding-2962 | 12/26/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304441621 | FCRE8999 | 12/24/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304441826 | finding-3352 | 12/17/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/17/2024 | A |
| XXX | XXXXX | 304441826 | finding-2978 | 12/17/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations. While the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/17/2024 | A |
| XXX | XXXXX | 304441826 | FCRE8999 | 12/17/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/17/2024 | A |
| XXX | XXXXX | 304441642 | FCOM8997 | 12/20/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304441642 | FCRE6019 | 12/19/2024 | Credit | Missing Doc - Credit | Borrower 1 citizenship Documentation not provided | Borrower 1 citizenship Documentation Is Missing Provide citizenship Documentation for Borrower 1. The one of file is not legible. | Legible Patriot Act | Document provided is sufficient. Exception resolved.; Borrower 1 citizenship Documentation Provided or Not Required | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/19/2024 | D A |
| XXX | XXXXX | 304441792 | FCOM8997 | 12/19/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304441792 | FCRE7496 | 12/20/2024 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | MISSING MORTGAGE Statement for 1st lien mortgage Statement with payment breakdown to verify 1st lien monthly payment and to meet lender guideline requirements. | Only loan on subject property is a HELOC, provided Statement for HELOC | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/20/2024 | D A |
| XXX | XXXXX | 304441721 | finding-3352 | 12/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304441721 | finding-2502 | 12/27/2024 | Compliance | Points & Fees | XXX Home Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX nonprime home loan test. The loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304441721 | FCRE8999 | 12/29/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/29/2024 | A |
| XXX | XXXXX | 304477471 | finding-3352 | 01/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304477471 | finding-2502 | 01/27/2025 | Compliance | Points & Fees | XXX Home Loan Test | This loan failed the XXX nonprime home loan test. The loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. HPML compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304477471 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304461906 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304461906 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304441841 | finding-3352 | 01/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304441841 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304458595 | finding-3352 | 01/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2025 | A |
| XXX | XXXXX | 304458595 | FCRE7009 | 01/06/2025 | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of $XXX is less than required coverage required The loan file contains two separate Replacement Cost Estimator's, XXX and XXX. The XXX is dated XX/XX/XXXX with an estimated reconstruction cost of $XXX and the XXX RCE is dated XX/XX/XXXX with estimated reconstruction cost of $XXX. Audit utilizing the most recent replacement cost estimated about of $XXX, which is less than the dwelling coverage amount of $XXX. Therefore, the insurance coverage is insufficient. THe policy does not reflect any additional coverage add-ons. | Updated HOI to RCE | Documentation provided is sufficient. Exception resolved.; Hazard Insurance coverage meets guideline requirement | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/06/2025 | C A |
| XXX | XXXXX | 304441840 | finding-3352 | 01/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/04/2025 | A |
| XXX | XXXXX | 304441840 | FCRE8999 | 01/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/06/2025 | A |
| XXX | XXXXX | 304442399 | finding-3352 | 01/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/04/2025 | A |
| XXX | XXXXX | 304442399 | FCRE8999 | 01/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/03/2025 | A |
| XXX | XXXXX | 304442398 | finding-3352 | 12/20/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304442397 | FCOM8997 | 12/10/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304442397 | FCRE8999 | 12/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304457477 | finding-3352 | 12/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304457477 | FCRE8999 | 12/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304441824 | finding-3352 | 12/09/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304441824 | finding-2962 | 12/09/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304441824 | FCRE8999 | 12/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304441838 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; ; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304441838 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; ; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304441837 | finding-3352 | 12/19/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304441837 | FCRE8999 | 12/19/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304441927 | finding-3352 | 12/31/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/31/2024 | A |
| XXX | XXXXX | 304441927 | FCRE8999 | 01/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/01/2025 | A |
| XXX | XXXXX | 304442457 | finding-3352 | 12/13/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304442457 | FCRE8999 | 12/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304442392 | finding-3352 | 12/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304442392 | finding-2502 | 12/11/2024 | Compliance | Points & Fees | XXX Home Loan Test | HPML Compliant This loan failed the XXX nonprime home loan test. The loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304442392 | FCRE8999 | 12/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304457476 | finding-3352 | 12/26/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304457476 | FCRE8999 | 12/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304470000 | finding-3352 | 12/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304470000 | FCRE8999 | 12/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304442382 | finding-3352 | 12/16/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304442382 | FCRE8999 | 12/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304443568 | FCOM8997 | 12/13/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304443568 | FCRE8999 | 12/16/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304442454 | FCOM8997 | 12/19/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304442454 | FCRE9814 | 12/19/2024 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement Trust Agreement is missing. | Provided the Trust agreement | Documentation provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2024 | D A |
| XXX | XXXXX | 304443155 | FCOM8997 | 12/12/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/12/2024 | A |
| XXX | XXXXX | 304443155 | FCRE8999 | 12/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304442635 | finding-3352 | 01/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/03/2025 | A |
| XXX | XXXXX | 304442635 | FCRE8999 | 01/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/07/2025 | A |
| XXX | XXXXX | 304443478 | FCOM8997 | 12/13/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/13/2024 | A |
| XXX | XXXXX | 304443478 | FCRE7495 | 12/16/2024 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | XXX reflects paid off debt XXX with outstanding balance of $XXX and XXX with outstanding balance $XXX, which are not reflecting on credit report and no other supporting documents on file. | provided the contracts for XXX and XXX | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/16/2024 | D A |
| XXX | XXXXX | 304442633 | FCOM8997 | 12/30/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304442633 | FCRE8999 | 12/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304442448 | finding-3352 | 12/20/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304442674 | finding-3352 | 01/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/04/2025 | A |
| XXX | XXXXX | 304442674 | finding-2978 | 01/04/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations. While the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/04/2025 | A |
| XXX | XXXXX | 304442674 | FPRO1136 | 01/03/2025 | Credit | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Missing appraisal completion certificate and photos. | provided the 1004d | Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; Primary Value Subject Property Appraisal is completed on an As-Is Basis. Exception Resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/03/2025 | C A |
| XXX | XXXXX | 304442969 | finding-3352 | 12/31/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/31/2024 | A |
| XXX | XXXXX | 304442969 | FCRE8999 | 12/31/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/31/2024 | A |
| XXX | XXXXX | 304442673 | finding-3352 | 12/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304442673 | FCRE8999 | 12/31/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/31/2024 | A |
| XXX | XXXXX | 304454189 | finding-3352 | 03/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/03/2025 | A |
| XXX | XXXXX | 304454189 | FCRE1173 | 03/04/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy for condo building coverage and walls-in if applicable. | provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/04/2025 | D A |
| XXX | XXXXX | 304454189 | FCRE7496 | 03/04/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal Summary reflects the borrower is responsible for $XXX in monthly HOA Dues on subject property, however, the loan file is missing verification of HOA Dues. | Condo questionnaire verifying the HOA dues amount | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/04/2025 | D A |
| XXX | XXXXX | 304454189 | FCRE7497 | 03/04/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | MISSING MORTGAGE Statement reflect monthly payment breakdown to verify PITIA for XXX. | Property at XXX is free and clear, provided verification | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/04/2025 | D A |
| XXX | XXXXX | 304443911 | FCOM8997 | 12/16/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304443911 | FCRE8999 | 12/16/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304443057 | FCOM8997 | 12/26/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304443057 | FCRE8999 | 12/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304443116 | finding-3352 | 12/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304443116 | FCRE8999 | 12/29/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/29/2024 | A |
| XXX | XXXXX | 304443925 | FCOM8997 | 12/27/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304443925 | FCRE8999 | 12/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304443153 | finding-3352 | 12/18/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/18/2024 | A |
| XXX | XXXXX | 304443153 | FCRE8999 | 12/18/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/18/2024 | A |
| XXX | XXXXX | 304443051 | finding-3352 | 01/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/04/2025 | A |
| XXX | XXXXX | 304443051 | finding-2978 | 01/04/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations. While the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/04/2025 | A |
| XXX | XXXXX | 304443051 | FCRE8999 | 01/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/03/2025 | A |
| XXX | XXXXX | 304443553 | finding-3352 | 01/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304443553 | FCRE1173 | 01/14/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | provided the master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/14/2025 | D A |
| XXX | XXXXX | 304457376 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304457376 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304443113 | FCOM8997 | 12/27/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304443113 | FCRE8999 | 12/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304443130 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304443130 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304443239 | FCOM8997 | 12/16/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304443239 | FCRE5116 | 12/16/2024 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Per FNMA guidelines Rental Housing Payment is required for principal residence when property is a XXX or XXX property; unable to locate VOR or XXX-months cancel checks or a copy of current fully executed lease agreement and two canceled check or equivalent to verify rental history for XXX. | provided lease agreement with rent payments | Documentation provided is sufficient. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2024 | D A |
| XXX | XXXXX | 304444769 | finding-3430 | 12/30/2024 | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | HPML compliant This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XXX CFR §XXX(b) (XXX) , (e) (XXX)) This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304444769 | FCRE8999 | 12/31/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/31/2024 | A |
| XXX | XXXXX | 304443151 | FCOM8997 | 01/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304443151 | FCRE1173 | 01/08/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy The subject property is a condominium, but missing the Condo Building Master Policy for review. | master hazard; provided the HO6 policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present; Document provided is the individual policy. Please provide the Master Policy for the condominium project. Exception remains. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/08/2025 | D A |
| XXX | XXXXX | 304443151 | FCRE9814 | 01/09/2025 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement The loan is vested in a trust and borrower being the trustee of the trust, but no evidence lender obtained the Trust Cert/Agreement for review. | provided the trust agreement; provided the trust agreement | Documentation provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/09/2025 | D A |
| XXX | XXXXX | 304443150 | finding-3352 | 01/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304443150 | finding-2962 | 01/10/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304443150 | FCRE8999 | 01/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304459803 | finding-3352 | 01/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/18/2025 | A |
| XXX | XXXXX | 304459803 | finding-2261 | 01/18/2025 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/18/2025 | A |
| XXX | XXXXX | 304459803 | FCRE1254 | 01/17/2025 | Credit | Title | Property Title Issue | Property Title Issue The title search, completed on XX/XX/XXXX, reflects a $XXX mortgage under the Involuntary Liens/Judgments section. There is no date listed for this mortgage nor does it match up to the current 1st or 2nd liens on the property. Missing evidence of clear title. | Please find attached the updated property report received from the settlement agent | Documentation provided is sufficient. Exception resolved.; Property Title Issue Resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/17/2025 | C A |
| XXX | XXXXX | 304443567 | FCOM8997 | 01/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/08/2025 | A |
| XXX | XXXXX | 304443567 | FCRE8999 | 01/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/08/2025 | A |
| XXX | XXXXX | 304443552 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304443552 | FCRE8999 | 02/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/08/2025 | A |
| XXX | XXXXX | 304456483 | finding-3352 | 12/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304456483 | FCRE8999 | 12/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304443551 | finding-3352 | 12/26/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304443551 | FCRE8999 | 12/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304456482 | finding-3352 | 01/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304456482 | FCRE8999 | 01/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/08/2025 | A |
| XXX | XXXXX | 304443633 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304443633 | FCRE1173 | 02/11/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/11/2025 | D A |
| XXX | XXXXX | 304443924 | finding-3352 | 12/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2024 | A |
| XXX | XXXXX | 304443924 | FCRE8999 | 12/20/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304454313 | finding-3430 | 12/30/2024 | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | HPML compliant This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XXX CFR §XXX(b) (XXX) , (e) (XXX)) This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304454313 | FCRE8999 | 01/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/02/2025 | A |
| XXX | XXXXX | 304443909 | finding-3352 | 12/24/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304443909 | finding-2962 | 12/24/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304443909 | FCRE8999 | 12/23/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/23/2024 | A |
| XXX | XXXXX | 304458221 | finding-3352 | 12/31/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/31/2024 | A |
| XXX | XXXXX | 304458221 | FCRE8999 | 12/31/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/31/2024 | A |
| XXX | XXXXX | 304443993 | finding-3352 | 01/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304443993 | FCRE8999 | 01/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304443990 | finding-3352 | 01/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304443990 | finding-2962 | 01/13/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304443990 | FCRE8999 | 01/15/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304443989 | finding-3352 | 12/20/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304472527 | FCOM8997 | 01/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304472527 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304454187 | finding-3352 | 01/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304454187 | FCRE8999 | 01/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/08/2025 | A |
| XXX | XXXXX | 304444766 | finding-3352 | 01/15/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304444766 | FCRE1293 | 01/15/2025 | Credit | Income/Employment | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Loan submitted with other income of $XXX for Borrower 2. Missing documentation to support the other income and what type of income it is. | updated XXX income | Documentation provided is sufficient. Exception resolved.; Income XXX Months Income Verified is Present Or Not Applicable | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/15/2025 | C A |
| XXX | XXXXX | 304456481 | finding-3352 | 12/31/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/31/2024 | A |
| XXX | XXXXX | 304456481 | FCRE8999 | 12/31/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/31/2024 | A |
| XXX | XXXXX | 304454186 | FCOM8997 | 01/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304454186 | FVAL3825 | 01/20/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Disaster-XXX and XXX, declared on XX/XX/XXXX but occurred on XX/XX/XXXX and is ongoing, was after the Property Condition Inspection XX/XX/XXXX, and no evidence of a post-disaster inspection completed to very damages if any. | FEMA PDI | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/20/2025 | C A |
| XXX | XXXXX | 304458301 | finding-3352 | 12/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304458301 | FCRE8999 | 12/31/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/31/2024 | A |
| XXX | XXXXX | 304454183 | finding-3352 | 12/20/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304454183 | FCRE8999 | 12/20/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304454311 | finding-3352 | 01/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304454311 | finding-2962 | 01/10/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304454311 | FCRE8999 | 01/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304457475 | FCOM8997 | 12/17/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2024 | A |
| XXX | XXXXX | 304457475 | FCRE1336 | 12/17/2024 | Credit | Missing Doc | Borrower 1 Award Letter Missing | Borrower 1 Award Letter Missing - Missing VA benefit letter to verify Borrower's income. | provided the VA award letter | Documentation provided is sufficient. Exception resolved.; Borrower 1 Award Letter Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2024 | D A |
| XXX | XXXXX | 304456437 | FCOM8997 | 12/20/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304456437 | FCRE1330 | 12/19/2024 | Credit | Missing Doc | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing Provide the most recent paystub for B1 from XXX | provided the most recent paystub | Documentation provided is sufficient. Exception resolved.; Borrower 1 Paystubs Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/19/2024 | D A |
| XXX | XXXXX | 304456479 | finding-3352 | 12/20/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304456479 | FCRE8999 | 12/20/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304458300 | finding-3352 | 01/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/04/2025 | A |
| XXX | XXXXX | 304458300 | FCRE8999 | 01/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/06/2025 | A |
| XXX | XXXXX | 304458594 | finding-3352 | 01/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304458594 | FCRE8999 | 01/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304458299 | FCOM8997 | 01/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304458299 | FCRE8999 | 01/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304458298 | finding-3352 | 12/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2024 | A |
| XXX | XXXXX | 304458298 | FCRE8999 | 12/21/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/21/2024 | A |
| XXX | XXXXX | 304458593 | finding-3352 | 12/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304458593 | FCRE8999 | 12/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304457466 | finding-3352 | 12/20/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304457466 | FCRE8999 | 12/20/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304457474 | FCOM8997 | 01/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304457474 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304459231 | finding-3352 | 01/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304459231 | finding-2261 | 01/09/2025 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304459231 | FCRE8999 | 01/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304459763 | FCOM8997 | 01/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/04/2025 | A |
| XXX | XXXXX | 304459763 | FCRE8999 | 01/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/07/2025 | A |
| XXX | XXXXX | 304458218 | finding-3352 | 01/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304458218 | FCRE8999 | 01/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304457947 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304457947 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304458217 | FCOM8997 | 01/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304458217 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304458216 | FCOM8997 | 01/15/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304458216 | FCRE8999 | 01/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304458215 | finding-3352 | 12/20/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304458215 | FCRE8999 | 12/20/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304458279 | FCOM8997 | 12/26/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304458279 | FCRE8999 | 12/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304458212 | finding-3352 | 12/20/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304458212 | FCRE9814 | 12/20/2024 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement Trust Agreement is missing. | provided the trust agreement | Documentation provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/20/2024 | D A |
| XXX | XXXXX | 304458210 | finding-3430 | 01/22/2025 | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XXX CFR §XXX(b) (XXX) , (e) (XXX)) This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304458210 | FCRE2009 | 01/22/2025 | Credit | Missing Doc | Rent Loss Insurance Missing | Missing rent loss insurance coverage which is required on XXX properties. | Rent loss insurance | Documentation provided is sufficient. Exception resolved.; Rent Loss Coverage Present | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/22/2025 | D A |
| XXX | XXXXX | 304458207 | finding-3352 | 12/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304458207 | FCRE8999 | 12/31/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/31/2024 | A |
| XXX | XXXXX | 304458205 | FCOM8997 | 01/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/16/2025 | A |
| XXX | XXXXX | 304458205 | FCRE8999 | 01/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/16/2025 | A |
| XXX | XXXXX | 304458204 | finding-3352 | 12/26/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304458204 | FCRE8999 | 12/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304458203 | finding-3352 | 01/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/04/2025 | A |
| XXX | XXXXX | 304458203 | FCRE8999 | 01/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/03/2025 | A |
| XXX | XXXXX | 304459406 | FCOM8997 | 01/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304459406 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304458200 | FCOM8997 | 01/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304458200 | FCRE1173 | 01/15/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy The subject property is a condominium, which requires master building insurance policy, but policy missing from the loan file. | provided the master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/15/2025 | D A |
| XXX | XXXXX | 304458200 | FCRE7496 | 01/15/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | - Missing supporting documentation to verify monthly HOA payment of $XXX per Final 1003. | provided an email from HOA stating the dues for the subject property | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/15/2025 | D A |
| XXX | XXXXX | 304481643 | finding-2962 | 01/28/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304481643 | finding-3352 | 01/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304481643 | FCRE8999 | 01/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304458197 | FCOM8997 | 12/22/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2024 | A |
| XXX | XXXXX | 304458197 | FCRE8999 | 12/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2024 | A |
| XXX | XXXXX | 304458196 | FCOM8997 | 01/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304458196 | FCRE8999 | 01/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304459101 | FCOM8997 | 12/31/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/31/2024 | A |
| XXX | XXXXX | 304459101 | FCRE8999 | 12/31/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/31/2024 | A |
| XXX | XXXXX | 304458578 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304458578 | finding-2623 | 01/23/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304458578 | FCRE8999 | 01/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304459008 | FCOM8997 | 01/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/08/2025 | A |
| XXX | XXXXX | 304459008 | FCRE8999 | 01/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/08/2025 | A |
| XXX | XXXXX | 304460669 | FCOM8997 | 01/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304460669 | FCRE8999 | 01/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304459007 | FCOM8997 | 12/26/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304459007 | FCRE8999 | 12/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304459467 | finding-3352 | 01/16/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/16/2025 | A |
| XXX | XXXXX | 304459467 | FCRE8999 | 01/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/16/2025 | A |
| XXX | XXXXX | 304459098 | finding-3352 | 01/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/03/2025 | A |
| XXX | XXXXX | 304459098 | FCRE8999 | 01/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/03/2025 | A |
| XXX | XXXXX | 304459096 | finding-3352 | 01/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304459096 | FCRE8999 | 01/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304459366 | finding-3352 | 01/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304459366 | finding-2962 | 01/20/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304459366 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304459365 | finding-3352 | 01/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304459365 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304459802 | finding-3352 | 12/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304459802 | FCRE8999 | 12/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304462415 | finding-3352 | 01/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/18/2025 | A |
| XXX | XXXXX | 304462415 | FCRE8999 | 01/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304459470 | finding-3352 | 12/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304459470 | FCRE8999 | 12/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304461903 | finding-3352 | 01/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304461903 | FCRE8999 | 01/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304459532 | finding-3430 | 01/14/2025 | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | HPML compliant This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XXX CFR §XXX(b) (XXX) , (e) (XXX)) This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304459532 | FCRE8999 | 01/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304459669 | FCOM8997 | 01/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304459669 | FCRE1193 | 01/20/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% A student loan (XXX #XXX) on the borrower's credit report was excluded and no evidence of supporting documentation for exclusion. The Student loan did not reflect a minimum monthly payment, therefore XXX% of the outstanding balance was used to calculate monthly minimum payment per FNMA guidelines. | STUDENT LOAN OMISSION | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/20/2025 | C A |
| XXX | XXXXX | 304459669 | FCRE7551 | 01/20/2025 | Credit | Missing Doc | Missing XXX Decree | According to the Mediated Agreement the monthly Child Support is $XXX. However, the Final 1003 reflects the monthly child support is $XXX. Missing evidence of the updated child support for $XXX per month. | provided notarized letter stating that borrower has agreeded to pay alimony and child support in the amount of $XXX, this is broken up as $XXX alimony and $XXX in child support | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/20/2025 | D A |
| XXX | XXXXX | 304459665 | finding-3352 | 12/30/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304459665 | FCRE8999 | 12/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/30/2024 | A |
| XXX | XXXXX | 304467176 | FCOM8997 | 01/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304467176 | FCRE8999 | 01/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304459664 | finding-3352 | 12/26/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304459664 | FCRE8999 | 12/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304473329 | finding-3352 | 02/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/18/2025 | A |
| XXX | XXXXX | 304473329 | finding-2962 | 02/18/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/18/2025 | A |
| XXX | XXXXX | 304473329 | FCRE7496 | 02/18/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal Summary reflects borrower is obligated to $XXX in monthly HOA Dues. However, the loan file is missing verification of these dues. | HOA dues | Verification of HOA provided. Condition cleared. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/18/2025 | D A |
| XXX | XXXXX | 304459801 | finding-3352 | 01/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304459801 | FCRE8999 | 01/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304468606 | finding-3352 | 01/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/04/2025 | A |
| XXX | XXXXX | 304468606 | FCRE8999 | 01/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/03/2025 | A |
| XXX | XXXXX | 304469979 | FCOM8997 | 01/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304469979 | FCRE9814 | 01/13/2025 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement - The borrower and non-borrowing XXX signed documents as trustees of a trust. However, no evidence a Trust Agreemeent/Cert was obtained for review. | provided the trust agreement | Documentation provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | D A |
| XXX | XXXXX | 304462055 | finding-3352 | 01/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/06/2025 | A |
| XXX | XXXXX | 304462055 | FCRE1440 | 01/06/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements - Credit report does not show mortgage for the last XXX months since it was transferred to new lender (XXX/XXX) and mortgage Statement in file does not give a history to ensure no mortgage lates in past XXX months. | credit supp mtg history | Documentation provided is sufficient. Exception resolved.; Housing History Meets Guideline Requirements | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/06/2025 | C A |
| XXX | XXXXX | 304470236 | FCOM8997 | 01/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304470236 | FCRE8999 | 01/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304467082 | finding-3352 | 01/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304467082 | finding-2962 | 01/13/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304467082 | FVAL3825 | 01/15/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Subject property county is under individual assistance from XXX and XXX (XXX). | fema pdi | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/15/2025 | C A |
| XXX | XXXXX | 304462106 | FCOM8997 | 01/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/06/2025 | A |
| XXX | XXXXX | 304462106 | FCRE8999 | 01/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/03/2025 | A |
| XXX | XXXXX | 304462104 | FCOM8997 | 01/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/16/2025 | A |
| XXX | XXXXX | 304462104 | FCRE8999 | 01/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/16/2025 | A |
| XXX | XXXXX | 304462341 | FCOM8997 | 01/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/06/2025 | A |
| XXX | XXXXX | 304462341 | FCRE9814 | 01/06/2025 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement | Provided the trust agreement | Received Trust Agreement which matches the DOT and Note vesting. Trust agreement is revocable and allow property purchase. Exception Resolved.; Trust Agreement Meets Guideline Requirements | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/06/2025 | D A |
| XXX | XXXXX | 304466787 | finding-3352 | 01/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304466787 | FCRE8999 | 01/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/26/2025 | A |
| XXX | XXXXX | 304462458 | finding-3352 | 01/16/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/16/2025 | A |
| XXX | XXXXX | 304462458 | FCRE8999 | 01/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/16/2025 | A |
| XXX | XXXXX | 304462351 | finding-3352 | 01/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304462351 | finding-2978 | 01/09/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations. While the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304462351 | FCRE1437 | 01/08/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Guidelines require income documents covering a XXX year period. The borrower only has W-2s for XXX. There was no recent paystub for the current year nor was there a WVOE that covered a XXX year period. The co-borrower's income consisted of current YTD paystub with pay ending date of XX/XX/XXXX plus the prior year paystub through XX/XX/XXXX. A full XXX year period was missing for both borrowers. | Provided the 2022 and 2023 for both borrowers | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/08/2025 | C A |
| XXX | XXXXX | 304492433 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304492433 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304462412 | finding-3352 | 01/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304462412 | FCRE8999 | 01/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304472776 | finding-3352 | 01/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304472776 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304476603 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304476603 | FCRE8999 | 01/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304467605 | finding-3352 | 01/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304467605 | FCRE1316 | 01/13/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | verb voe military | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/13/2025 | D A |
| XXX | XXXXX | 304466795 | FCOM8997 | 01/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304466795 | FCRE9814 | 01/10/2025 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement The title is vested in a trust and the borrowers' signed both security mortgage and Note as trustees of this trust, but no evidence the lender obtained a Trust Cert/Agreement for review. | trust agreement | Documentation provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/10/2025 | D A |
| XXX | XXXXX | 304466785 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304466785 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304466794 | FCOM8997 | 01/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/06/2025 | A |
| XXX | XXXXX | 304466794 | FCRE8999 | 01/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/03/2025 | A |
| XXX | XXXXX | 304467081 | finding-2962 | 01/17/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304467081 | finding-3352 | 01/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304467081 | FVAL3825 | 01/21/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Subject property county is under individual assistance from XXX and XXX (XXX). | FEMA PDI | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/21/2025 | C A |
| XXX | XXXXX | 304469978 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304469978 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304467080 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304467080 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304468604 | finding-3352 | 01/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304468604 | FCRE8999 | 01/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304475071 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304475071 | FCRE8999 | 01/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304470233 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304470233 | FCRE1173 | 01/31/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Subject property is a condominium and master Condo coverage is required. | Provided the HO6 Master policy; H06 | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present; Need the Condominium Master Policy. Exception remains. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | D A |
| XXX | XXXXX | 304470233 | FCRE7497 | 02/02/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of other REO XXX PITIA. No evidence of monthly mortgage payment, taxes, insurance an/or HOA dues if appliclable. | Non subject REO | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/02/2025 | D A |
| XXX | XXXXX | 304482895 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304482895 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304470225 | finding-3352 | 01/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304470225 | FCRE8999 | 01/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304470343 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304470343 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304470342 | finding-3352 | 01/15/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304470342 | FCRE8999 | 01/15/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304498514 | FCOM8997 | 02/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304498514 | FCRE8999 | 02/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/18/2025 | A |
| XXX | XXXXX | 304472383 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304472383 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304470220 | finding-3352 | 01/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304470220 | FCRE6019 | 01/13/2025 | Credit | Missing Doc - Credit | Borrower 1 citizenship Documentation not provided | Borrower 1 citizenship Documentation Is Missing The USA Patriot Act Disclosure for B1 reflects borrower Driver's License expired XX/XX/XXXX. Cannot utilize an expired drivers license for verification of identity. | provided the Patriot act form | Documentation provided is sufficient. Exception resolved.; Borrower 1 citizenship Documentation Provided or Not Required | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | D A |
| XXX | XXXXX | 304470219 | FCOM8997 | 02/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304470219 | FCRE8999 | 02/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/08/2025 | A |
| XXX | XXXXX | 304471098 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304471098 | finding-2962 | 01/23/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304471098 | FCRE8999 | 01/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304672238 | FCOM8997 | 03/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/13/2025 | A |
| XXX | XXXXX | 304672238 | FVAL9739 | 03/14/2025 | Credit | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Missing Property Condition Inspection report, per guidelines when AVM is provided must have the Property Condition Inspection report per XXX Guidelines | PCI report | Documentation provided is sufficient. Exception resolved.; Property/Appraisal Meets Guidelines | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/14/2025 | C A |
| XXX | XXXXX | 304472674 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304472674 | FCRE8999 | 01/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304471856 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304471856 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304470218 | FCOM8997 | 01/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/19/2025 | A |
| XXX | XXXXX | 304470218 | FCRE1173 | 01/17/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | provided the master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/17/2025 | D A |
| XXX | XXXXX | 304470218 | FCRE7496 | 01/17/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing supporting documentation to verify other monthly payment amount of $XXX for subject PITIA per XXX Transmittal Summary in loan file. | verif $XXX is special assessment | Documentation provided is sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/17/2025 | D A |
| XXX | XXXXX | 304470682 | finding-3352 | 01/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML requirements met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304470682 | FCRE8999 | 01/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304492336 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304492336 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304481568 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304481568 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304471508 | FCOM8997 | 01/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304471508 | FCRE9814 | 01/27/2025 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement | provided the trust agreement | Documentation provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | D A |
| XXX | XXXXX | 304471654 | finding-3352 | 01/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/19/2025 | A |
| XXX | XXXXX | 304471654 | FCRE1440 | 01/20/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements - Lender Guidelines require verification of most recent mortgage payment history confirming no late payment (XXX) in the past XXX months or (XXX) in the past XXX-months. The subject loan closed XX/XX/XXXX, but the mortgage history on the credit report only reflects the 1st lien mortgage paid to XX/XX/XXXX. The loan file is missing verification payments from XX/XX/XXXX to XX/XX/XXXX were paid with no late payments reporting. | payment hisory | Documentation provided is sufficient. Exception resolved.; Housing History Meets Guideline Requirements | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | C A |
| XXX | XXXXX | 304470876 | finding-3352 | 01/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/18/2025 | A |
| XXX | XXXXX | 304470876 | FCRE8999 | 01/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304471170 | FCOM8997 | 01/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304471170 | FCRE8999 | 01/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304477174 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304477174 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304472342 | finding-3352 | 01/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/19/2025 | A |
| XXX | XXXXX | 304472342 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304471169 | finding-3352 | 01/15/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304471169 | FCRE8999 | 01/15/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304471854 | finding-3352 | 01/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304471854 | finding-2623 | 01/27/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304471854 | FCRE8999 | 01/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304472011 | finding-3352 | 01/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/19/2025 | A |
| XXX | XXXXX | 304472011 | finding-2261 | 01/19/2025 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/19/2025 | A |
| XXX | XXXXX | 304472011 | FCRE8999 | 01/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304477464 | finding-3352 | 01/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304477464 | FCRE8999 | 01/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304471931 | FCOM8997 | 01/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304471931 | FCRE8999 | 01/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304471738 | FCOM8997 | 01/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304471738 | FCRE8999 | 01/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304471793 | FCOM8997 | 01/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304471793 | FVAL3825 | 01/23/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Disaster XXX and XXX, declared on XXX/XX/XXX, but occurred on XX/XX/XXXX, was after the Appraisal Inspection of XX/XX/XXXX, and Property Condition Inspection of XX/XX/XXXX. There is no evidence of a post-disaster inspection completed to verify damages if any. | PDI | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | C A |
| XXX | XXXXX | 304471791 | finding-3352 | 02/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304471791 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304472366 | finding-3352 | 01/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/19/2025 | A |
| XXX | XXXXX | 304472366 | finding-2261 | 01/19/2025 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/19/2025 | A |
| XXX | XXXXX | 304472366 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304471939 | finding-3352 | 01/15/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304471939 | FCRE8999 | 01/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304477036 | FCOM8997 | 03/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304477036 | FCRE1193 | 03/07/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Missing verification of co-borrower's monthly income utilized for qualification purposes. | XXX SSI: $XXX X XXX% X XXX% + $XXX = $XXX \| XXX SSI (behalf of XXX) : $XXX X XXX% X XXX% + $XXX = $XXX \| Total SSI = $XXX \| XXX pension = $XXX \| \| XXX SSI = $XXX X XXX% X XXX% + $XXX = $XXX \| \| Total income = $XXX \| Total debts = $XXX \| DTI = XXX% \| ; Please see attached XXX and income calculator for Borrower 2 income: pension and SSI | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; XXX reflects income for the Co-Borrower of $XXX. The documentation in the file has the XXX retirement income, SSI for XXX, and SSI on behalf of XXX. These do not add up to $XXX. The Final 1003 reflects SSI income of $XXX for XXX. Please provide documentation/award letters for this income. Exception remains. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/07/2025 | C A |
| XXX | XXXXX | 304477036 | FCRE1964 | 03/06/2025 | Credit | Missing Doc | Missing income documentation | Documentation to support an additional $XXX of B2's income could not be located throughout the file at the time of audit review; deficiency has increased the debt to income ratio. | provided B2s income documents | Documentation provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/06/2025 | D A |
| XXX | XXXXX | 304472341 | FCOM8997 | 01/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304472341 | FCRE8999 | 01/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304459011 | finding-3352 | 01/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/18/2025 | A |
| XXX | XXXXX | 304459011 | finding-2962 | 01/18/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/18/2025 | A |
| XXX | XXXXX | 304459011 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304472022 | FCOM8997 | 01/15/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304472022 | FCRE8999 | 01/15/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304472308 | FCOM8997 | 01/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304472308 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304472010 | finding-3352 | 01/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304472010 | FCRE8999 | 01/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304472306 | finding-3352 | 02/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304472306 | FCRE8999 | 02/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304472304 | finding-3352 | 03/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304472304 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304472340 | FCOM8997 | 01/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304472340 | FCRE8999 | 01/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304472364 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304472364 | FCRE9814 | 02/01/2025 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement | provided the trust agreement | Documentation provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/01/2025 | D A |
| XXX | XXXXX | 304472364 | FCRE1164 | 02/01/2025 | Credit | Missing Doc | Flood Insurance Policy Missing | Missing Flood Insurance Policy Flood Cert reflects property is in Flood Zone AE, which requires flood insurance coverage. | Provided the flood insurance | Documentation provided is sufficient. Exception resolved.; Flood Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/01/2025 | D A |
| XXX | XXXXX | 304472364 | FCRE1173 | 02/01/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy - The subject property is a condo which requires master building coverage. However, no evidence of the condo master building policy in the loan file for review. | Provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/01/2025 | D A |
| XXX | XXXXX | 304472364 | FCRE7496 | 02/01/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing documentation to verify monthly HOA fee of $XXX per form 1008. | Provided the LOX from the HOA | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/01/2025 | D A |
| XXX | XXXXX | 304472364 | FVAL9739 | 02/01/2025 | Credit | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: The subject property is in a commercial zone which is considered ineligible per guidelines. The loan file contains an email correspondence stating a lender exception was going to be executed. However, the loan file is missing this lender approved exception with compensating factors. | provided the email addressing the commercial zone issue | The subject property is zoned for commercial use. Per guidelines, commercial properties are not eligible. However, the Lender provided an exception for the zoning, citing compensating factors of a low CLTV, DTI below guidelines maximum, a high fico score, no history of any late payments, and the property is not a mixed use property, only condos. Acknowledged and downgraded. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Acknowledged |  | No C B |
| XXX | XXXXX | 304472362 | FCOM8997 | 01/18/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/18/2025 | A |
| XXX | XXXXX | 304472362 | FCRE8999 | 01/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304472381 | finding-3352 | 03/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304472381 | FCRE8999 | 03/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304472416 | finding-3352 | 01/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/18/2025 | A |
| XXX | XXXXX | 304472416 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304472520 | finding-3352 | 01/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/19/2025 | A |
| XXX | XXXXX | 304472520 | FCRE5116 | 01/21/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Mortgage history is absent from the credit report to determine the mortgage payment history meets lender guideline XXX or XXX. | mortgage history | Documentation provided is sufficient. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/21/2025 | D A |
| XXX | XXXXX | 304462416 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304462416 | FCRE1440 | 02/01/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The credit report reflects only XXX months 1st lien mortgage payment history but guidelines require XXX months minimum. No evidence of any other documentation in file verifying current an additional month of payment history to meet guidelines. | provided the credit report showing XXX months of history for mortgage | Documentation provided is sufficient. Exception resolved.; Housing History Meets Guideline Requirements | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/01/2025 | C A |
| XXX | XXXXX | 304477530 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304477530 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304493140 | finding-3352 | 02/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304493140 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304472516 | finding-3352 | 01/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/19/2025 | A |
| XXX | XXXXX | 304472516 | FCRE1173 | 01/20/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | provided the master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/20/2025 | D A |
| XXX | XXXXX | 304472516 | FCRE1164 | 01/20/2025 | Credit | Missing Doc | Flood Insurance Policy Missing | Missing Flood Insurance Policy | master flood | Documentation provided is sufficient. Exception resolved.; Flood Insurance Policy is fully present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/20/2025 | D A |
| XXX | XXXXX | 304472516 | FCRE7496 | 01/20/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing HOA Statement for subject property. | verif hoa fee | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/20/2025 | D A |
| XXX | XXXXX | 304472514 | FCOM8997 | 01/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304472514 | FCRE8999 | 01/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304473762 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304473762 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304473726 | finding-3352 | 01/15/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304473726 | FCRE8999 | 01/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304480821 | finding-3352 | 01/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304480821 | FCRE1156 | 01/20/2025 | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Named Insured does not match Borrower(s) Name(s) Policy shows borrower's first name as XXX, note shows XXX on every single document on file. | provided the updated HOI | Documentation provided is sufficient. Exception resolved.; Named Insured matches Borrower(s) Name(s) | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/20/2025 | C A |
| XXX | XXXXX | 304480821 | FCRE5116 | 01/20/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Insufficient mortgage payment history to meet lender guidelines XXX or XXX. | Provided mortgage Statements XX/XX/XXXX thru XX/XX/XXXX; Provided mortgage Statement | Documentation provided is sufficient. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing; In order to satisfy the XXX requirement for the mortgage history, we also need the mortgage Statements or credit supplement to cover XX/XX/XXXX - XX/XX/XXXX. Exception remains. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/20/2025 | D A |
| XXX | XXXXX | 304474212 | finding-3352 | 01/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304474212 | finding-2962 | 01/20/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304474212 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304490558 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304490558 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304472760 | finding-3352 | 01/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304472760 | FCRE1173 | 01/24/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/24/2025 | D A |
| XXX | XXXXX | 304473327 | finding-3352 | 02/26/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304473327 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304472772 | finding-3352 | 01/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/18/2025 | A |
| XXX | XXXXX | 304472772 | FCRE8999 | 01/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304481696 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304481696 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304477094 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304477094 | finding-2623 | 01/23/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304477094 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304475050 | FCOM8997 | 01/18/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/18/2025 | A |
| XXX | XXXXX | 304475050 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304473667 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304473667 | FCRE1316 | 02/06/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower is self employed, provided the tax returns and P and L | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/06/2025 | D A |
| XXX | XXXXX | 304473667 | FCRE5116 | 02/06/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Credit Report does not reflect the current mortgage pay history from XXX #XXX and per guidelines pay history required to be verified with no more than XXX or XXX. | provided payment history | Documentation provided is sufficient. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/06/2025 | D A |
| XXX | XXXXX | 304473666 | finding-3352 | 01/22/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304473666 | FCRE8999 | 01/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304473731 | finding-3352 | 01/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304473731 | finding-2962 | 01/28/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304473731 | FCRE8999 | 01/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304473729 | finding-3352 | 01/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/19/2025 | A |
| XXX | XXXXX | 304473729 | FCRE8999 | 01/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304475009 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304475009 | FCRE9814 | 01/31/2025 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement | Trust Agreement/Cert | Documentation provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | D A |
| XXX | XXXXX | 304475112 | FCOM8997 | 01/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304475112 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304474221 | finding-3352 | 01/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/18/2025 | A |
| XXX | XXXXX | 304474221 | FCRE8999 | 01/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304475188 | FCOM8997 | 01/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304475188 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304475095 | FCOM8997 | 01/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304475095 | FCRE8999 | 01/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304475047 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304475047 | finding-2962 | 01/31/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304475047 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304494075 | finding-3352 | 02/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304494075 | finding-2962 | 02/13/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304494075 | FCRE1173 | 02/14/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Subject property is a condominium requiring a "master" or "blanket" policy on the condominium project and HO-XXX insurance. Only HO-XXX Insurance was provided. The required HO-XXX Master insurance policy is missing. | Provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | D A |
| XXX | XXXXX | 304494075 | FPRO1500 | 02/14/2025 | Credit | Missing Doc | HOA Questionnaire is Missing | HOA Questionnaire Missing The XXX transmittal summary reflects the Borrowers' are responsible for $XXX monthly in HOA Dues on the subject property. However, missing verification of HOA Dues. | provided the HOA Statement | Documentation provided is sufficient. Exception resolved.; HOA Questionnaire Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | D A |
| XXX | XXXXX | 304475046 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304475046 | FCRE8999 | 01/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304475085 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304475085 | FVAL3825 | 02/02/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Disaster XXX, declared on XX/XX/XXXX, but occurred on XX/XX/XXXX, was after the property condition report with no evidence of a post-disaster inspection completed to verify damages if any. | PDI | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/02/2025 | C A |
| XXX | XXXXX | 304477093 | finding-3352 | 01/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/19/2025 | A |
| XXX | XXXXX | 304477093 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304476583 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304476583 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304475186 | finding-3352 | 01/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/19/2025 | A |
| XXX | XXXXX | 304475186 | finding-2261 | 01/19/2025 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/19/2025 | A |
| XXX | XXXXX | 304475186 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304481642 | FCOM8997 | 03/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304481642 | FCRE8999 | 03/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304481257 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304481257 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304493044 | finding-3352 | 03/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304493044 | FCRE8999 | 03/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304477032 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304477032 | finding-2978 | 01/23/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations. While the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304477032 | FCRE8999 | 01/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304476599 | finding-3352 | 01/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/19/2025 | A |
| XXX | XXXXX | 304476599 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304492848 | FCOM8997 | 02/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304492848 | FCRE8999 | 02/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/18/2025 | A |
| XXX | XXXXX | 304477165 | finding-3352 | 01/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304477165 | FCRE8999 | 01/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304477162 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304477162 | FCRE8999 | 01/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304477229 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304477229 | FCRE7495 | 02/02/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Missing documentations to support monthly payments shown on Final 1003 for the two XXX debts as the credit report only reflects the balance owed. The monthly payments utilized are not calculated based on the FNMA Selling Guidelines. The XXX #XXX has a balance of $XXX and $XXX monthly payment was utilized along with the other XXX #XXX with a balance of $XXX and a monthly payment of $XXX. | provided the XXX Statements for the two accounts | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/02/2025 | D A |
| XXX | XXXXX | 304477202 | finding-3352 | 02/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304477202 | FCRE5116 | 02/20/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Credit Report shows that current mortgage has transferred missing VOM or Credit Supplement verifying current mortgage and pay history to meet required XXX or XXX. | Provided credit supplements and transfer letter | Documentation provided is sufficient. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | D A |
| XXX | XXXXX | 304477202 | FCRE1173 | 02/20/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Subject property is a condo, which required HOA Master Policy with walls in/building coverage. | provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | D A |
| XXX | XXXXX | 304477463 | finding-3352 | 02/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304477463 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304477470 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304477470 | FCRE1193 | 02/04/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The lender utilized prior year OT which resulted in a monthly OT of $XXX per month. However, the XXX OT decreased from the XXX OT per most recent payment end date of XX/XX/XXXX. FNMA guidelines require the current, lower amount of the variable income must be used if the income was declining but has since stabilized. The XXX YTD OT income calculated at $XXX per month, which is the cause of the DTI exceeding maximum of XXX%. | Paystub - We luckily had a more current paystub in the file and have more OT income. This adds an additional $XXX in OT through pay ending date of XX/XX/XXXX. This brings the OT income to $XXX. Also including the bonus income of $XXX per monthnth, there is no change in DTI. | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | C A |
| XXX | XXXXX | 304477228 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304477228 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304477227 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304477227 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304481306 | FCOM8997 | 02/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304481306 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304442632 | finding-2962 | 02/03/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304442632 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304442632 | FCRE9814 | 02/03/2025 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement | provided the trust agreement | Documentation provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | D A |
| XXX | XXXXX | 304442632 | FCRE1173 | 02/03/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | provided HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | D A |
| XXX | XXXXX | 304486930 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304486930 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304485276 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304485276 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304632139 | finding-3352 | 02/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304632139 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304477469 | finding-3352 | 02/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304477469 | FCRE1316 | 02/09/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing Date on VOE documentation (Department of Treasury) | SOS verification; please see date on the computer screen | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/09/2025 | D A |
| XXX | XXXXX | 304497414 | FCOM8997 | 02/18/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/18/2025 | A |
| XXX | XXXXX | 304497414 | FCRE8999 | 02/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304481321 | FCOM8997 | 01/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304481321 | FCRE8999 | 01/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304477644 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304477644 | FCRE8999 | 02/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/08/2025 | A |
| XXX | XXXXX | 304480860 | finding-3352 | 02/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304480860 | FCRE1173 | 02/05/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Subject property is a Condo and HO-XXX Master Insurance Policy is required as per guidelines. | provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | D A |
| XXX | XXXXX | 304480819 | finding-3352 | 02/26/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304480819 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304480818 | finding-3352 | 01/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304480818 | FCRE8999 | 01/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304481433 | finding-3352 | 03/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/03/2025 | A |
| XXX | XXXXX | 304481433 | FCRE8999 | 03/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/03/2025 | A |
| XXX | XXXXX | 304480859 | finding-3352 | 03/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304480859 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304480921 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304480921 | FCRE8999 | 02/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/08/2025 | A |
| XXX | XXXXX | 304480858 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304480858 | finding-2962 | 01/31/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304480858 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304481328 | finding-3352 | 02/26/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304481328 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304480919 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304480919 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304480916 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304480916 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304480906 | FCOM8997 | 01/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304480906 | FCRE8999 | 01/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304480904 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304480904 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304481738 | finding-3352 | 02/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304481738 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304480900 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304480900 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304480898 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304480898 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304480897 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304480897 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304482893 | FCOM8997 | 01/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304482893 | FCRE8999 | 01/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304481362 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304481362 | finding-2962 | 01/31/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304481362 | FCRE7495 | 01/31/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Missing supporting documentation to verify Borrower's liability to XXX for $XXX monthly with a balance of $XXX as reflected on the Final 1003. | provided the XXX contract | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | D A |
| XXX | XXXXX | 304481247 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304481247 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304481248 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304481248 | FCRE7496 | 01/23/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing documentation to verify monthly HOA Payment of $XXX XX/XX/XXXX. | provided the Statement for the HOA dues | Documentation provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | D A |
| XXX | XXXXX | 304483093 | finding-3352 | 01/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304483093 | FCRE8999 | 01/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304481246 | FCOM8997 | 03/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/14/2025 | A |
| XXX | XXXXX | 304481246 | FCRE1173 | 03/12/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | Master cert; Master certificate | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/12/2025 | D A |
| XXX | XXXXX | 304481246 | FCRE1146 | 03/12/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present Lender to provide evidence of $XXX lien under chain of title, modification and subordinated showing, no explanation was in loan file. | Subordination and modification agreement for $XXXk loan | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/12/2025 | D A |
| XXX | XXXXX | 304481304 | FCOM8997 | 01/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304481304 | FCRE8999 | 01/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304481244 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304481244 | FVAL9739 | 01/31/2025 | Credit | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Property Condition report reflects XXX as county while county on Title Policy, AVM and Deed of Trust is 'XXX'. | PCI report | Documentation provided is sufficient. Exception resolved.; Property/Appraisal Meets Guidelines | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | C A |
| XXX | XXXXX | 304481243 | FCOM8997 | 01/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304481243 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304491987 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304491987 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304481319 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304481319 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304481303 | FCOM1262 | 02/19/2025 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing The Right of Rescission forms are Missing. | Notice of Right to Cancel | Right of Rescission is Provided | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | D A |
| XXX | XXXXX | 304481303 | finding-3352 | 02/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304481303 | FCRE8999 | 02/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304481327 | finding-3352 | 01/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304481327 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304481326 | finding-3352 | 02/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/21/2025 | A |
| XXX | XXXXX | 304481326 | FCRE8999 | 02/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/21/2025 | A |
| XXX | XXXXX | 304481316 | FCOM8997 | 01/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304481316 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304481360 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304481360 | FCRE8999 | 01/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304481694 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304481694 | FCRE2900 | 02/01/2025 | Credit | Missing Doc | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. - Missing evidence of lawful permanent residency required by Guidelines for XXXs. | Provided borrowers green card | Documentation provided is sufficient. Exception resolved.; Borrower Identification Document provided. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/01/2025 | D A |
| XXX | XXXXX | 304481372 | finding-3352 | 01/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304481372 | FCRE8999 | 01/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304481422 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304481422 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304486929 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304486929 | FCRE8999 | 02/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/08/2025 | A |
| XXX | XXXXX | 304480820 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304480820 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304481411 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304481411 | FCRE2900 | 02/05/2025 | Credit | Missing Doc | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. The loan file is missing evidence of the borrower's XXX identification. Guidelines require the borrower provide evidence of their resident alien status. | Provided the SA-XXX card | Documentation provided is sufficient. Exception resolved.; Borrower Identification Document provided. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | D A |
| XXX | XXXXX | 304481410 | FCOM8997 | 01/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304481410 | FCRE1173 | 01/28/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | Provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2025 | D A |
| XXX | XXXXX | 304481409 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304481409 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304481425 | finding-3352 | 01/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304481425 | FCRE8999 | 01/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304481432 | finding-3352 | 03/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304481432 | FCRE8999 | 03/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304481466 | FCOM8997 | 02/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/25/2025 | A |
| XXX | XXXXX | 304481466 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304481567 | finding-3352 | 01/23/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304481567 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304489934 | FCOM8997 | 02/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304489934 | FCRE1330 | 02/26/2025 | Credit | Missing Doc | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing | provided check stubs | Documentation provided is sufficient. Exception resolved.; Borrower 1 Paystubs Provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/26/2025 | D A |
| XXX | XXXXX | 304489934 | FCRE1328 | 02/26/2025 | Credit | Missing Doc | Borrower 1 W2/XXX Missing | Borrower 1 W2/XXX Missing. | provided 2022 and 2023 W2s | Documentation provided is sufficient. Exception resolved.; Borrower 1 W2/XXX Provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/26/2025 | D A |
| XXX | XXXXX | 304481566 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304481566 | finding-2623 | 02/14/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX).While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304481566 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304481461 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304481461 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304481541 | FCOM8997 | 01/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304481541 | FCRE8999 | 01/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304481460 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304481460 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304481637 | finding-3352 | 02/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304481637 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304481563 | FCOM8997 | 01/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304481563 | FCRE8999 | 01/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304481562 | finding-3352 | 03/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304481562 | finding-2962 | 03/05/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304481562 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304481651 | finding-3352 | 02/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304481651 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304482892 | FCOM8997 | 02/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304482892 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304493948 | finding-3352 | 02/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304493948 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304419520 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304419520 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304481627 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304481627 | FCRE8999 | 02/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/08/2025 | A |
| XXX | XXXXX | 304439345 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304439345 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304481641 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304481641 | finding-2962 | 02/07/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304481641 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304486597 | finding-3352 | 02/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304486597 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304482891 | finding-3352 | 01/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304482891 | finding-2962 | 01/28/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304482891 | FCRE8999 | 01/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304482890 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304482890 | FCRE8999 | 01/30/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304492442 | FCOM8997 | 02/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304492442 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304481719 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304481719 | FCRE1316 | 02/07/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing | Borrower is self employed, provided the SOS info | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/07/2025 | D A |
| XXX | XXXXX | 304481744 | FCOM8997 | 02/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/25/2025 | A |
| XXX | XXXXX | 304481744 | FCRE9814 | 02/25/2025 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement | Trust | Documentation provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/25/2025 | D A |
| XXX | XXXXX | 304481744 | FCRE3653 | 02/25/2025 | Credit | Missing Doc | Missing letter of explanation | Property address on the mortgage Statement is XXX, when subject property primary address is XXX. Letter of Explanation is missing. | The property has XXX dwellings that share the same mortgage. We were able to link this to the property report. The company just listed this property address. | Explanation provided is sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/25/2025 | D A |
| XXX | XXXXX | 304482022 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304482022 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496664 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304496664 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304482889 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304482889 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304482888 | finding-3352 | 02/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304482888 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304481745 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304481745 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304483091 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304483091 | FCRE1437 | 02/08/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing any and all income documentation to support the qualified income utilized (award letter/XXX). | provided all income documents | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/08/2025 | C A |
| XXX | XXXXX | 304483091 | FPRO1245 | 02/07/2025 | Credit | Appraisal | Appraisal is Expired | Primary Value Appraisal is Expired Appraisal on file dated XX/XX/XXXX is not within XXX months of Note XX/XX/XXXX, as per guidelines. No appraisal update in loan file. | provided the 1004d | Documentation provided is sufficient. Exception resolved.; Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | C A |
| XXX | XXXXX | 304482883 | finding-3352 | 02/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304482883 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304482882 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304482882 | FCRE7496 | 02/04/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing verification of the monthly HOA dues on subject property. | provided the HOA dues | Documentation provided is sufficient. Exception resolved. |  | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304482882 | FCRE1173 | 02/04/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Missing an unexpired copy of the HOA master policy with sufficient coverage and meets FNMA guidelines. | provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present |  | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304482927 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304482927 | FCRE1173 | 02/07/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | D A |
| XXX | XXXXX | 304482927 | FCRE7496 | 02/07/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing HOA Statement | provided the HOA documents | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | D A |
| XXX | XXXXX | 304482879 | finding-3352 | 01/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304482879 | FCRE8999 | 01/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304482878 | FCOM8997 | 01/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304482878 | FCRE8999 | 01/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304482875 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304482875 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304495195 | finding-2838 | 03/18/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report.While the XXX HOEPA Higher-Priced Mortgage Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/18/2025 | A |
| XXX | XXXXX | 304495195 | finding-3352 | 03/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/18/2025 | A |
| XXX | XXXXX | 304495195 | FCRE8999 | 03/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/18/2025 | A |
| XXX | XXXXX | 304486595 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304486595 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304482869 | finding-3352 | 01/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan is an HPML and it meets the closed end 2nd lien requirements |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304482869 | FCRE8999 | 01/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304492425 | finding-3352 | 02/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304492425 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304482864 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304482864 | FCRE6019 | 02/13/2025 | Credit | Missing Doc - Credit | Borrower 1 citizenship Documentation not provided | Borrower 1 citizenship Documentation Is Missing US Patriot Act Disclosure required. | Provided the patriot act form | Documentation provided is sufficient. Exception resolved.; Borrower 1 citizenship Documentation Provided or Not Required | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | D A |
| XXX | XXXXX | 304490556 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304490556 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304482861 | finding-3352 | 01/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304482861 | FCRE8999 | 01/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304482924 | finding-3352 | 02/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304482924 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304483090 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304483090 | FCRE1437 | 02/08/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XXX and XXX tax returns for XXX 1065s were not provided and unable to validate overall qualifying income. | provided the 1065s and returns | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/08/2025 | C A |
| XXX | XXXXX | 304483087 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. |  | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304483087 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only |  | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304483511 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304483511 | FCRE1173 | 01/31/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | Hazard | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | D A |
| XXX | XXXXX | 304492335 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304492335 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304483106 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304483106 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304492334 | FCOM1262 | 02/05/2025 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing The Right to Cancel is missing. | provided the ROR | Right of Rescission is Provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/05/2025 | D A |
| XXX | XXXXX | 304492334 | finding-2838 | 02/05/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report. While the XXX HOEPA Higher-Priced Mortgage Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304492334 | finding-3352 | 02/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304492334 | FCOM1232 | 02/03/2025 | Credit | Missing Doc | The Final 1003 is Missing | The Final 1003 is Missing Executed copy of the Uniform Residential Loan Application (XXX) was not provided at the time of audit review. | provided the Final 1003 | Documentation provided is sufficient. Exception resolved.; The Final 1003 is Present | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/03/2025 | D A |
| XXX | XXXXX | 304492334 | FCRE6019 | 02/03/2025 | Credit | Missing Doc - Credit | Borrower 1 citizenship Documentation not provided | Borrower 1 citizenship Documentation Is Missing A completed copy of the Patriot Act Disclosure was not provided to verify borrower's identity. | provided the Patriot act form | Documentation provided is sufficient. Exception resolved.; Borrower 1 citizenship Documentation Provided or Not Required | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/03/2025 | D A |
| XXX | XXXXX | 304492334 | FCRE6914 | 02/03/2025 | Credit | Missing Doc - Credit | Borrower 2 citizenship Documentation not provided | Borrower 2 citizenship Documentation Is Missing A completed copy of the Patriot Act Disclosure was not provided to verify borrower's identity. | provided the patriot act form | Documentation provided is sufficient. Exception resolved.; Borrower 2 citizenship Documentation Provided or Not Required | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/03/2025 | D A |
| XXX | XXXXX | 304492334 | FCOM1206 | 02/03/2025 | Credit | Missing Doc | The Note is Missing | The Note is Missing Executed copy of the Note was not provided at the time of audit review. | provided the Note | Documentation provided is sufficient. Exception resolved.; The Note is Present | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/03/2025 | D A |
| XXX | XXXXX | 304492334 | FCOM1220 | 02/03/2025 | Credit | Closing | The Deed of Trust is Missing | The Deed of Trust is Missing Executed copy of the Deed of Trust was not provided at the time of audit review. | provided the final DOT | Documentation provided is sufficient. Exception resolved.; The Deed of Trust is Present | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/03/2025 | D A |
| XXX | XXXXX | 304483534 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304483534 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304484522 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304484522 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304486056 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304486056 | FCRE8999 | 02/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304484894 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304484894 | FCRE1193 | 01/30/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The discrepancy is due to lender incorrectly calculating the 1st lien PITIA or excluding the P&I payment all together. The lender utilized $XXX for 1st lien PITIA, (P&I of $XXX, HOI $XXX and taxes of $XXX). However, after review of the mortgage Statement, property, taxes, and HOI, the calculated PITIA, is $XXX, which is a P&I of $XXX, HOI $XXX and property taxes $XXX and a variance of $XXX from lender's calculation including the second mortgage P&I payment. Further, It appears the lender utilized the new subject 2nd mortgage P&I payment for the 1st lien, excluded the P&I payment for 1st lien all together, which caused the DTI to exceed maximum, when lender's DTI calculation was XXX%. | See attached full voe and XXX | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | C A |
| XXX | XXXXX | 304485147 | FCOM8997 | 02/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304485147 | FCRE7495 | 02/19/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | - Final 1003 reflects monthly child support payment of $XXX, however, loan file is missing supporting documentation to verify the payment. | Provided the child support docs | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/19/2025 | D A |
| XXX | XXXXX | 304485291 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304485291 | FCRE8999 | 02/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/08/2025 | A |
| XXX | XXXXX | 304486011 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304486011 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304485290 | FCOM8997 | 02/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304485290 | FCRE8999 | 02/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304485289 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304485289 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304485288 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304485288 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304632596 | FCOM8997 | 03/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304632596 | FCRE8999 | 03/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304486009 | finding-3352 | 02/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304486009 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304486927 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304486927 | FCRE1173 | 02/14/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | Provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | D A |
| XXX | XXXXX | 304486054 | finding-3352 | 02/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304486054 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304487997 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304487997 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304486605 | FCOM8997 | 02/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304486605 | FCRE8999 | 02/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304486068 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304486068 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304486067 | finding-3352 | 02/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304486067 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304486066 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304486066 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304486578 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304486578 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304486386 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304486386 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304487899 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304487899 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304487616 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304487616 | FCRE8999 | 02/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304486575 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304486575 | finding-2962 | 02/07/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304486575 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304486591 | finding-3352 | 01/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Downgraded This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304486591 | finding-2261 | 01/31/2025 | Compliance | Points & Fees | XXX Rate Spread Home Loan Test | Downgraded This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304486591 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304486925 | finding-3352 | 02/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304486925 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304486924 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304486924 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304486922 | FCOM8997 | 02/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304486922 | FCRE8999 | 02/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304486921 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304486921 | FCRE7810 | 02/01/2025 | Credit | Title | Title issue | Requesting an updated Title Report. The title report provided reflects property is vested in the borrower's name but is crossed out. | provided the title commitment with no cross out | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/01/2025 | C A |
| XXX | XXXXX | 304487892 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304487892 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304493042 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304493042 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304487897 | finding-3352 | 02/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304487897 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304492683 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304492683 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304487906 | finding-3352 | 03/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304487906 | finding-2623 | 03/07/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX).While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304487906 | FCRE8999 | 03/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304492612 | FCOM8997 | 03/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304492612 | FCRE8999 | 03/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304487995 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304487995 | FCRE8999 | 02/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304637157 | finding-842 | 03/05/2025 | Compliance | Points & Fees | AR HB XXX High Cost Home Loan Points and Fees Threshold Test | This loan failed the high cost home loan points and fees threshold test due to one of the following findings: (XXX XX/XX/XXXX Definitions, (XXX) (A)) The total points and fees (as defined in the legislation) exceed XXX% of the total loan amount (as defined in the legislation) if the total loan amount is $XXX or more.The total points and fees exceed XXX% of the total loan amount if the total loan amount is more than $XXX but less than $XXX.The total points and fees exceed XXX% of the total loan amount if the total loan amount is $XXX or less. This loan failed the XXX High Cost Home Loan Points and Fees Test - it exceeds the Threshold by $XXX. The fees included are as follows: Courier/Messenger Fee $XXX, Disbursement Fee $XXX, MERS Registration Fee $XXX, Loan Discount Points $XXX, Rate Lock Fee $XXX, Recording Service Fee $XXX, Technology Fee $XXX, Third Party Underwriting Fee $XXX and Title Coordination Fee $XXX. | Attached copy of the check; Attached includes check request, amended CD, LOE, bona fide error defense letter, and FedEx label. Will provide copy of check once available. | Cure package provided to the borrower; exception has been downgraded to 2/B; Cure package provided to the borrower; exception has been downgraded to 2/B; will downgrade upon receipt of the copy of the check | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Cured |  | C B |
| XXX | XXXXX | 304637157 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304487993 | FCOM8997 | 02/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304487993 | FCRE8999 | 02/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304489931 | finding-3352 | 02/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304489931 | FCRE8999 | 02/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304492563 | FCOM8997 | 03/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304492563 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304490552 | finding-3352 | 02/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304490552 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304490465 | finding-3352 | 02/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304490465 | FCRE8999 | 02/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/21/2025 | A |
| XXX | XXXXX | 304490228 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304490228 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304490551 | finding-2838 | 02/04/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report. While the XXX HOEPA Higher-Priced Mortgage Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304490551 | finding-3352 | 02/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304490551 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304490463 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304490463 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304490482 | finding-3352 | 03/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304490482 | FCRE1173 | 03/05/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Missing HO-XXX Master Insurance Policy | provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/05/2025 | D A |
| XXX | XXXXX | 304490547 | finding-3352 | 02/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304490547 | FCRE2371 | 02/13/2025 | Credit | Missing Doc | Missing final HUD-XXX from sale of non-subject property | For property XXX morning XXX was sold prior to closing to exclude from DTI calculation. | Our borrower is no longer responsible for the property at XXX per the XXX decree, provided XXX decree | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | D A |
| XXX | XXXXX | 304490546 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304490546 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304495091 | finding-2838 | 02/21/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report.While the XXX HOEPA Higher-Priced Mortgage Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/21/2025 | A |
| XXX | XXXXX | 304495091 | finding-3352 | 02/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/21/2025 | A |
| XXX | XXXXX | 304495091 | FCRE8999 | 02/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/25/2025 | A |
| XXX | XXXXX | 304496663 | finding-3352 | 03/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304496663 | FCRE8999 | 03/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304490542 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304490542 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304490541 | finding-3352 | 02/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304490541 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304490538 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304490538 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304490537 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304490537 | FCRE8999 | 02/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/01/2025 | A |
| XXX | XXXXX | 304490534 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304490534 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304552709 | finding-3352 | 02/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304552709 | finding-2962 | 02/24/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304552709 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304492243 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304492243 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304490533 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304490533 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304490531 | finding-3352 | 02/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304490531 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304492682 | FCOM8997 | 02/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304492682 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304493138 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304493138 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304490530 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304490530 | FCRE7009 | 02/07/2025 | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of $XXX is less than required coverage required Per policy Dwelling amount is $XXX with an XXX% Building Ordinance of Law Coverage which total Dwelling amount to $XXX. Combined 1st and 2nd lien amount is $XXX which exceeds the insurance coverage of $XXX; replacement cost was not provided. | provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; Hazard Insurance coverage meets guideline requirement | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | C A |
| XXX | XXXXX | 304490530 | FCRE7496 | 02/07/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing HOA Statement | provided the HOA dues info | Documentation provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | D A |
| XXX | XXXXX | 304492550 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304492550 | FCRE1437 | 02/13/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Per guidelines, The borrower's recent paystub and IRS W-XXX forms, year-ending paystubs, or transcripts covering the most recent XXX year period must be verify. Missing W-XXX Forms., Previous Verification of employment showing verification until XX/XX/XXXX | Provided year end check stub and XX/XX/XXXX W2s | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | C A |
| XXX | XXXXX | 304490524 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304490524 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304492666 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304492666 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304494286 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304494286 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304491983 | FCOM8997 | 02/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304491983 | FCRE8999 | 02/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304494031 | FCOM8997 | 02/18/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/18/2025 | A |
| XXX | XXXXX | 304494031 | FCRE8999 | 02/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304493559 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304493559 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304494155 | FCOM8997 | 03/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304494155 | FCRE8999 | 03/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304492079 | finding-3352 | 02/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304492079 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304494154 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304494154 | FCRE8999 | 02/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304492259 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304492259 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304492257 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304492257 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304492329 | finding-3352 | 03/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304492329 | finding-2962 | 03/17/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | Non-QM This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304492329 | FCRE1173 | 03/19/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy The borrower's H-XXX policy does not have sufficient hazard insurance coverage $XXX for subject property, as its a PUD townhouse. Insurance must cover the combined 1st and 2nd mortgage loan amount, which is $XXX. Missing master H-XXX insurance policy. | Master certificate covering walls in | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/19/2025 | D A |
| XXX | XXXXX | 304492328 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304492328 | finding-2623 | 02/07/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX).While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304492328 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304492327 | FCOM8997 | 02/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304492327 | FCRE8999 | 02/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304492326 | finding-3352 | 02/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304492326 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304492323 | finding-3352 | 02/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304492323 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304492321 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304492321 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304492532 | FCOM8997 | 02/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304492532 | FCRE8999 | 02/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304494074 | FCOM8997 | 03/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304494074 | FCRE8999 | 03/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304492423 | finding-3352 | 03/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304492423 | FCRE8999 | 03/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304492417 | finding-3352 | 02/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML no escrow established, appraisal requirement met |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304492417 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304492549 | finding-3352 | 02/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304492549 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304492694 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304492694 | FCRE3464 | 02/14/2025 | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Lender to provide current Verification of existence of business within XXX calendar days of close by third party. | provided the SOS information | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/14/2025 | D A |
| XXX | XXXXX | 304492547 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304492547 | FCRE1195 | 02/07/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% CLTV variance- 1st lien mortgage was last reported on XX/XX/XXXX with no unpaid balance. Audit is using principal balance of $XXX with a regular monthly payment of $XXX shown on mortgage Statement dated XX/XX/XXXX.File did not come with supporting documents of unpaid balance of $XXX which lender used. | credit supplement | Documentation provided is sufficient. Exception resolved.; Audited CLTV of XXX% is less than or equal to Guideline CLTV of XXX%; | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | C A |
| XXX | XXXXX | 304492547 | FCRE1196 | 02/07/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% HLTV variance- 1st lien mortgage was last reported on XX/XX/XXXX with no unpaid balance. Audit is using principal balance of $XXX with a regular monthly payment of $XXX shown on mortgage Statement dated XX/XX/XXXX.File did not come with supporting documents of unpaid balance of $XXX which lender used. |  | Audited HLTV of XXX% is less than or equal to Guideline HCLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | C A |
| XXX | XXXXX | 304492681 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304492681 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304492546 | FCOM8997 | 02/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304492546 | FCRE8999 | 02/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304492560 | finding-3352 | 02/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304492560 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304492610 | finding-3352 | 03/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304492610 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304492608 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304492608 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304492680 | finding-3352 | 03/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304492680 | FCRE8999 | 03/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304492665 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304492665 | FCRE2900 | 02/07/2025 | Credit | Missing Doc | Borrower Non-XXX Identification Document Missing | Non XXX Borrower is missing Identification Document. Missing XXX presence document, because per final loan application the borrower is a XXX. | provided the borrowers green card | Documentation provided is sufficient. Exception resolved.; Borrower Identification Document provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | D A |
| XXX | XXXXX | 304492663 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304492663 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304493041 | FCOM8997 | 02/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304493041 | FCRE7497 | 02/26/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing supporting documentation to verify property taxes with monthly payment of $XXX for other REO at XXX. | provided the property tax info from the county | Documentation provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | D A |
| XXX | XXXXX | 304510696 | FCOM8997 | 02/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304510696 | FCRE8999 | 02/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304493137 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304493137 | FCRE1319 | 02/05/2025 | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Borrower 1 Personal Tax Returns Missing Per guidelines, most current tax returns are needed when grossing up more than XXX% of Social Security Income | Provided the XXX tax return | Documentation provided is sufficient. Exception resolved.; Borrower 1 Personal Tax Returns Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/05/2025 | D A |
| XXX | XXXXX | 304493137 | FCRE1350 | 02/05/2025 | Credit | Missing Doc | Borrower 2 Personal Tax Returns Missing | Borrower 2 Personal Tax Returns Missing Per guidelines, most current tax returns are needed when grossing up more than XXX% of Social Security Income | provided the XXX tax return | Documentation provided is sufficient. Exception resolved.; Borrower 2 Personal Tax Returns Provided or Not Applicable (Number of Borrowers equals XXX) | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/05/2025 | D A |
| XXX | XXXXX | 304493137 | FCRE1193 | 02/05/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Both Borrower 1 and XXX receive SSI benefits, which was utilized as the main source of income to quality the borrowers. The loan file only contains Award Letters for both B1 and B2. There is no evidence of a XXX or personal tax returns to determine the non-taxable portion of the Social Security Income. Therefore, per FNMA Selling Guidelines if no evidence is obtained, only XXX% of the SSI can be grossed up XXX%. However, the lender grossed up the entire monthly SSI by XXX% Audit grossed up XXX% of the SSI by XXX% which resulted in B1 SSI at $XXX and B2 SSI at $XXX, $XXX total and a $XXX variance, which is the cause of the DTI exceeding maximum of XXX%. In order to utilize the lender's XXX% gross up, the non-taxable income needs to be verified an be at least XXX% of the total SSI. | tax docs | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/05/2025 | C A |
| XXX | XXXXX | 304493040 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304493040 | FCRE6019 | 02/04/2025 | Credit | Missing Doc - Credit | Borrower 1 citizenship Documentation not provided | Borrower 1 citizenship Documentation Is Missing Patriot Act Disclosure provided indicated B1 has a XXX Passport - photo identification to confirm citizenship was captured correctly on final loan application. | Attached photo IDs to support USA Patriot Act | Documentation provided is sufficient. Exception resolved.; Borrower 1 citizenship Documentation Provided or Not Required | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304495090 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304495090 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304477160 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304477160 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304495089 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304495089 | FCRE1173 | 02/14/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | D A |
| XXX | XXXXX | 304495089 | FCRE7496 | 02/14/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal Summary and Final 1003 reflects the borrower is responsible for a $XXX (on XXX) or $XXX (on Final 1003) in monthly Condo HOA dues on the subject property. However, the file is missing the verification of the HOA dues. | Provided the HOA dues LOX from the HOA | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | D A |
| XXX | XXXXX | 304495193 | finding-3352 | 02/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/18/2025 | A |
| XXX | XXXXX | 304495193 | FCRE8999 | 02/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304494026 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304494026 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304493036 | finding-2261 | 02/21/2025 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/21/2025 | A |
| XXX | XXXXX | 304493036 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304493136 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304493136 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304493034 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304493034 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304493135 | FCOM8997 | 03/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304493135 | FCRE1437 | 03/12/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Two months of bank Statements were provided to verify the retirement income utilized for qualification in the amount of $XXX. No other information was provided. The bank Statements reflect XXX type of retirement accounts that add up to the $XXX, which is a deposit from XXX, XXX XXX and XXX. It appears two are pension deposits but its not clear what type of retirement XXX is. Unable to determine whether the lender was required to obtain evidence it will continue for XXX years. | According to the XXX decree, on page XXX of the decree it States that the borrower is entitled to XXX including the XXX pension. Please advise | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/12/2025 | C A |
| XXX | XXXXX | 304493557 | finding-3352 | 02/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304493557 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304495088 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304495088 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304493556 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304493556 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304495087 | FCOM8997 | 02/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304495087 | FCRE8999 | 02/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304493826 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304493826 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304495192 | FCOM8997 | 03/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304495192 | FCRE1360 | 03/06/2025 | Credit | Missing Doc | Borrower 2 Paystubs Missing | Borrower 2 Paystubs Missing The loan file did not contain any evidence of the Co Brower's paystubs. | Provided the Coborrowers paystubs | Documentation provided is sufficient. Exception resolved.; Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals XXX) | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | D A |
| XXX | XXXXX | 304495192 | FCRE1358 | 03/06/2025 | Credit | Missing Doc | Borrower 2 W2/XXX Missing | Borrower 2 W2/XXX Missing. The loan file did not contain any evidence of the Co Brower's W2. | Provided the year end check stubs and tax returns | Documentation provided is sufficient. Exception resolved.; Borrower 2 W2/XXX Provided or Not Applicable (Number of Borrowers equals XXX) | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | D A |
| XXX | XXXXX | 304493945 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304493945 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304494070 | FCOM8997 | 03/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304494070 | FCRE8999 | 03/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/13/2025 | A |
| XXX | XXXXX | 304495085 | finding-3352 | 02/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304495085 | FCRE1440 | 02/20/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing evidence of XXX or XXX, subject property 1st mortgage lien, which is not reflected on the credit report. | Credit supplement | Documentation provided is sufficient. Exception resolved.; Housing History Meets Guideline Requirements | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | C A |
| XXX | XXXXX | 304494285 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304494285 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304495084 | finding-3352 | 02/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304495084 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304495153 | FCOM8997 | 03/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304495153 | FCRE1336 | 03/05/2025 | Credit | Missing Doc | Borrower 1 Award Letter Missing | Borrower 1 Award Letter Missing proof of Social security monthly benefit of $XXX. | provided the SSI income doc | Documentation provided is sufficient. Exception resolved.; Borrower 1 Award Letter Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/05/2025 | D A |
| XXX | XXXXX | 304495153 | FCRE0360 | 03/05/2025 | Credit | Borrower | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. XXX Statement for 1st lien mortgage in the loan file reflects that loan has been transferred, however there is no evidence of an updated mortgage Statement with new servicers. The final loan application reflect the servicers is XXX. | provided the servicing transfer docs | Documentation provided is sufficient. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially present. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/05/2025 | C A |
| XXX | XXXXX | 304509934 | FCOM8997 | 02/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304509934 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304498266 | FCOM8997 | 02/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304498266 | FCRE8999 | 02/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304495083 | FCOM8997 | 03/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304495083 | FCRE8999 | 03/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304494388 | FCOM8997 | 03/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304494388 | FCRE0360 | 03/11/2025 | Credit | Borrower | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. Credit report in file only contains the payment history when XXX was the lender the loan, last reported XX/XX/XXXX. The 1st lien mortgage has since been transferred/sold to another lender, but no evidence of payment history which is required to meet lender requirements. Therefore, a VOM confirming XXX or XXX required. | Credit supplement showing no lates; Mortgage Statement from XXX | Documentation provided is sufficient. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially present.; The Statement provided verifies the payment breakdown, but we need a mortgage history for this property. The mortgage does not show up on the credit report, and we need verification of the payment history. Exception remains. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/11/2025 | C A |
| XXX | XXXXX | 304495075 | finding-3352 | 02/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304495075 | finding-2962 | 02/20/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304495075 | FCRE8999 | 02/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304495072 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304495072 | FCRE9549 | 02/11/2025 | Credit | Missing Doc | Missing Credit Report Supplement | Missing Credit Supplement or most current Statement for new auto loan from XXX #XXX as liability is not on the credit report. | provided the XXX | Documentation provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | D A |
| XXX | XXXXX | 304495068 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304495068 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304495152 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304495152 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304495066 | finding-3352 | 02/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304495066 | FCRE8999 | 02/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304497787 | finding-3352 | 02/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304497787 | FCRE8999 | 02/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304495059 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304495059 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304495058 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304495058 | FCRE8999 | 02/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/08/2025 | A |
| XXX | XXXXX | 304495057 | finding-3352 | 03/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304495057 | FPRO1136 | 03/06/2025 | Credit | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Need the XXX completion report. | provided the 1004d | Documentation provided is sufficient. Exception resolved.; Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/06/2025 | C A |
| XXX | XXXXX | 304495056 | FCOM8997 | 03/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/13/2025 | A |
| XXX | XXXXX | 304495056 | FCRE8999 | 03/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/13/2025 | A |
| XXX | XXXXX | 304495055 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304495055 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304495053 | FCOM8997 | 03/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/24/2025 | A |
| XXX | XXXXX | 304495053 | FCRE8999 | 03/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/22/2025 | A |
| XXX | XXXXX | 304495052 | FCOM8997 | 03/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304495052 | FCRE8999 | 03/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304496659 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304496659 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304495046 | finding-3352 | 03/22/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/22/2025 | A |
| XXX | XXXXX | 304495046 | FCRE8999 | 03/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/23/2025 | A |
| XXX | XXXXX | 304495044 | finding-3352 | 02/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304495044 | finding-2962 | 02/17/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304495044 | FCRE8999 | 02/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304495043 | finding-3352 | 02/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304495043 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304495040 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304495040 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304632687 | FCOM8997 | 02/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304632687 | FCRE8999 | 02/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/21/2025 | A |
| XXX | XXXXX | 304495151 | finding-3352 | 02/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/21/2025 | A |
| XXX | XXXXX | 304495151 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304495150 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304495150 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304510694 | finding-3352 | 02/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304510694 | FCRE8999 | 02/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304497786 | finding-3352 | 02/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304497786 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304495147 | finding-3352 | 02/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304495147 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304495643 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304495643 | FCRE7496 | 02/14/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing Verification of Subject Property HOA monthly payment of $XXX included in DTI calculations. Audit to be more conservative updated the payment using Final 1003. | provided the HOA Statement | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | D A |
| XXX | XXXXX | 304497427 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304497427 | finding-697 | 02/14/2025 | Compliance | Points & Fees | GAFLA XXX/XXX High Cost Home Loan Points and Fees Threshold Test | This loan has terms that exceed the high-cost home loan points and fees threshold. (XXX-6A-XXX(XXX) ,(XXX) (B)) The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed: XXX percent of the total loan amount if the total loan amount is $XXX or more.The lesser of XXX percent of the total loan amount or $XXX if the total loan amount is less than $XXX. The below fees were included in testing. MERS Registration Fee paid by Borrower: $XXX Points - Loan Discount Fee paid by Borrower: $XXX Rate Lock Fee paid by Borrower: $XXX Recording Service Fee paid by Borrower: $XXX Third Party Underwriting Fee paid by Borrower: $XXX Title Coordination Fee paid by Borrower: $XXX Title Courier Fee paid by Borrower: $XXX Title Disbursement Fee paid by Borrower: $XXX Title Technology Fee paid by Borrower: $XXX Title Travel Fee paid by Borrower: $XXX | Please see attached rebuttal | Lender confirmed travel fee is for cost of an attorney; exception reoslved; Lender confirmed travel fee is for cost of an attorney; exception reoslved | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | C A |
| XXX | XXXXX | 304497427 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304495188 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304495188 | finding-2978 | 02/14/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations.While the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304495188 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304632024 | FCOM8997 | 02/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304632024 | FCRE8999 | 02/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304497413 | finding-3352 | 02/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304497413 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304495639 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only |  | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304495639 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only |  | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304497412 | finding-3352 | 02/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304497412 | FCRE8999 | 02/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304497406 | finding-3352 | 02/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304497406 | FCRE9549 | 02/13/2025 | Credit | Missing Doc | Missing Credit Report Supplement | Missing Credit Supplement or current Statement for liability XXX with a balance of #XXX and monthly payment of $XXX as Final 1003 shows account is a new liability but debt is not on the credit report. | Provided the XXX contract | Documentation provided is sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | D A |
| XXX | XXXXX | 304498562 | finding-3352 | 02/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304498562 | FCRE8999 | 02/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304637156 | FCOM8997 | 03/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304637156 | FCRE8999 | 03/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304632595 | FCOM8997 | 02/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304632595 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304498263 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304498263 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304498289 | finding-3352 | 02/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304498289 | FCRE8999 | 02/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304498561 | FCOM8997 | 02/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304498561 | FCRE8999 | 02/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304498561 | FVAL3825 | 02/27/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Disaster-XXX, declared on XX/XX/XXXX, but occurred on XX/XX/XXXX, was after the PCI inspection date of XX/XX/XXXX. There was no evidence of a post-disaster inspection completed to verify damages, if any. | FEMA report | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | C A |
| XXX | XXXXX | 304510357 | FCOM8997 | 03/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304510357 | FCRE8999 | 03/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304498558 | FCOM8997 | 03/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304498558 | FCRE1173 | 03/03/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy | provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/03/2025 | D A |
| XXX | XXXXX | 304510355 | finding-3352 | 03/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304510355 | FCRE8999 | 03/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304510784 | FCOM8997 | 02/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304510784 | FCRE8999 | 02/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304510353 | finding-3352 | 02/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304510353 | FCRE8999 | 02/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304510690 | FCOM8997 | 02/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304510690 | FCRE8999 | 02/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304510508 | FCOM8997 | 02/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304510508 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304510507 | FCOM8997 | 02/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304510507 | FCRE7497 | 02/14/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Final 1003 reflects the borrower is responsible for a $XXX per month PITIA for XXX. This monthly amount differs from the credit report mortgage payment. Therefore, supporting documents to verify the entire PITIA required. | provided the VOM for XXX showing that the payment on credit report is the principal and interest, there is no escrow account, difference is the taxes and insurance | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | D A |
| XXX | XXXXX | 304510684 | FCOM8997 | 02/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304510684 | FCRE8999 | 02/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304511537 | FCOM8997 | 03/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304511537 | FCRE8999 | 03/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304510679 | FCOM8997 | 02/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304510679 | FCRE8999 | 02/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304510669 | finding-3352 | 02/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/21/2025 | A |
| XXX | XXXXX | 304510669 | FCRE8999 | 02/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/21/2025 | A |
| XXX | XXXXX | 304510668 | FCOM8997 | 02/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304510668 | FVAL9739 | 02/27/2025 | Credit | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Guidelines do not allow Agricultural zoning. The subject property is zoned as Agricultural/Residential. |  | Received Client and Seller response requesting an exception to allow for agricultural zoning based on full appraisal with no indication of a working farm, property is residential. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 304510667 | finding-3352 | 02/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304510667 | FCRE8999 | 02/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304510665 | FCOM8997 | 02/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304510665 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304510664 | FCOM8997 | 03/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304510664 | FCRE8999 | 03/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304510663 | FCOM8997 | 02/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304510663 | FCRE1204 | 02/24/2025 | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Missing SAM search for the Borrower and Jr. Underwriter. Per Fraud report, there is a possible match found on SAM.gov. | Sam.gov | Documentation provided is sufficient. Exception resolved.; All Fraud Report Alerts have been cleared or None Exist | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | C A |
| XXX | XXXXX | 304510741 | finding-3352 | 03/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304510741 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304632594 | finding-3430 | 03/07/2025 | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XXX CFR §XXX(b) (XXX) , (e) (XXX)) This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304632594 | FCRE8999 | 03/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304510662 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304510662 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304572211 | FCOM8997 | 02/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304572211 | FCRE1193 | 02/27/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit used a higher first lien P&I payment as confirmed via the first lien mortgage Statement. Lender only used a payment of $XXX per the XXX, while the first lien mortgage Statement confirms the payment is $XXX. | Updated XXX; The borrower just graduated in XX/XX/XXXX and was hired as a salaried teacher in XX/XX/XXXX for the next school year. Per the paystubs, the borrower is a XXX month salary employee. | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Using the new XXX provided, and taking the PITI + the new 2nd for a total of $XXX, and adding all other liabilities monthly of $XXX = $XXX. Divide this by the salary of $XXX = XXX% DTI. Please update with any other information different than this. Exception remains. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | C A |
| XXX | XXXXX | 304572211 | FCOM1233 | 03/13/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Please provide updated XXX with Co-Borrower's income/employment information to match the XXX. | provided the XXX | Documentation provided is sufficient. Exception resolved.; The Final 1003 is Present | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/13/2025 | D A |
| XXX | XXXXX | 304510752 | finding-3352 | 03/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/03/2025 | A |
| XXX | XXXXX | 304510752 | FCRE8999 | 03/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/03/2025 | A |
| XXX | XXXXX | 304510762 | finding-3352 | 02/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304510762 | FCRE7496 | 02/28/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal Summary reflects the borrower is responsible for $XXX In Monthly HOA Dues on the subject property, however, file is missing verification of HOA Dues. | provided the HOA Statement | Documentation provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/28/2025 | D A |
| XXX | XXXXX | 304511707 | FCOM8997 | 02/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304511707 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304510970 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304510970 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304512126 | FCOM8997 | 02/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304512126 | FCRE1964 | 02/20/2025 | Credit | Missing Doc | Missing income documentation | Missing WVOE and/or a prior year XXX W-XXX or a end of year XXX paystub to satisfy the lenders requirement for income covering a XXX year period. | Provide the XXX W2 | Documentation provided is sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | D A |
| XXX | XXXXX | 304510987 | FCOM8997 | 03/18/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/18/2025 | A |
| XXX | XXXXX | 304510987 | FCRE8999 | 03/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304511536 | finding-3352 | 03/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304511536 | FCRE8999 | 03/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304632706 | FCOM8997 | 02/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304632706 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304552708 | FCOM8997 | 02/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304552708 | FCRE8999 | 02/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304511485 | FCOM8997 | 02/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304511485 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304511706 | FCOM8997 | 03/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304511706 | FCRE8999 | 03/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304631380 | finding-3352 | 03/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304631380 | FCRE8999 | 03/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/18/2025 | A |
| XXX | XXXXX | 304635008 | finding-3352 | 02/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304635008 | FCRE8999 | 02/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/25/2025 | A |
| XXX | XXXXX | 304511484 | FCOM8997 | 02/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304511484 | FCRE8999 | 02/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304634560 | finding-3352 | 02/26/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304634560 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304511712 | FCOM8997 | 03/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304511712 | FCRE8999 | 03/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304511705 | finding-3352 | 02/26/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304511705 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304631795 | finding-3352 | 03/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the closed end 2nd lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304631795 | FCRE9995 | 03/06/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $-XXX are less than Guideline Required Reserves of $XXX. Open XXX-day XXX charge accounts with a balance of $XXX did not reflect a monthly payment on the credit report, lenders to verify borrower had reserves to cover the account balance at the time of closing, paid it off prior to closing, or obtain an account Statement reflect monthly payment to include within the DTI calculation, as it was excluded. | Please see attached account Statement showing sufficient funds to cover the balance of the XXX balance; DU to verify that the XXX day account does not need to be paid off or proof of funds to cover. Please contact XXX @XXX for clearance.; Our guides do permit this. We had vetted this with XXXC as well that you would accept the DU in these cases. This one just missed a check box on our underwriting form that should have marked this as a DU UW loan. We just need to update the XXX on this one. \| \| \| | Documentation provided is sufficient. Exception resolved.; Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX.; DU provided to support use of cash out for XXX-day balance XXX account. However, XXX-day balance of $XXX exceeds cash to borrower of $XXX and shortage of documented assets remains. Condition remains.; DU not provided in file. Please provide for review. Condition remains. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/06/2025 | C A |
| XXX | XXXXX | 304632084 | FCOM8997 | 03/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/25/2025 | A |
| XXX | XXXXX | 304632084 | FCRE1173 | 03/25/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Subject property is an Attached Condo and the required Master Insurance Policy is missing from the file. Only the HO6 Condominium Unit Owner's Policy is provided. | provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/25/2025 | D A |
| XXX | XXXXX | 304512124 | FCOM8997 | 02/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304512124 | FCRE8999 | 02/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304632684 | FCOM8997 | 03/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304632684 | FCRE8999 | 03/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304512122 | finding-3352 | 02/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304512122 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304592827 | FCOM8997 | 02/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304592827 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304592821 | FCOM8997 | 02/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304592821 | FCRE8999 | 02/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304632065 | FCOM8997 | 02/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304632065 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304552705 | finding-3352 | 02/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304552705 | finding-2962 | 02/27/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304552705 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304572071 | finding-3352 | 02/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304572071 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304592826 | FCOM8997 | 03/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304592826 | FCRE8999 | 03/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304613720 | FCOM8997 | 02/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304613720 | FCRE8999 | 02/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/18/2025 | A |
| XXX | XXXXX | 304613718 | finding-3352 | 02/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304613718 | FCRE8999 | 02/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304632962 | finding-3352 | 03/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304632962 | FCRE8999 | 03/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304632022 | finding-3352 | 02/26/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304632022 | FCRE1336 | 02/27/2025 | Credit | Missing Doc | Borrower 1 Award Letter Missing | Borrower 1 Award Letter Missing for SSI income. | Award Letter | Documentation provided is sufficient. Exception resolved.; Borrower 1 Award Letter Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | D A |
| XXX | XXXXX | 304632022 | FCRE7496 | 02/26/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal Summary reflects HOA monthly amount of $XXX that the borrower is obligated for, however no supporting documents verify this monthly payment in the loan file. | Verification of HOA dues | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/26/2025 | D A |
| XXX | XXXXX | 304631790 | FCOM8997 | 02/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304631790 | FCRE8999 | 02/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304632021 | finding-3352 | 02/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304632021 | FCRE8999 | 02/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/25/2025 | A |
| XXX | XXXXX | 304634442 | FCOM8997 | 02/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304634442 | FCRE8999 | 02/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304632019 | finding-3352 | 02/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304632019 | FCRE8999 | 02/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304632063 | finding-3352 | 03/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304632063 | FCRE8999 | 03/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304632137 | finding-3352 | 02/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304632137 | FCRE8999 | 02/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304632282 | FCOM8997 | 02/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304632282 | FCRE8999 | 02/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/25/2025 | A |
| XXX | XXXXX | 304632683 | FCOM8997 | 02/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304632683 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304632135 | FCOM8997 | 02/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304632135 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304632682 | finding-3352 | 02/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304632682 | FCRE7495 | 02/20/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Form XXX reflects monthly payment of $XXX to XXX, however, loan file is missing supporting documentation to verify the payment. | This docusgin document from XXX has the borrowers name, address, and the highest payment the borrower will have during the course of this contract which is $XXX, this is a lease (PPA) ; provided the XXX contract | Documentation provided is sufficient. Exception resolved.; XXX contract not attached. Please provide the XXX contract. Exception remains. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | D A |
| XXX | XXXXX | 304632682 | FCRE7496 | 02/20/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | form 1008 reflects monthly HOA payment of $XXX, however, loan file is missing supporting documentation to verify the payment. | Provided the HOA Statement | Documentation provided is sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | D A |
| XXX | XXXXX | 304632279 | finding-3352 | 02/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304632279 | FCRE1173 | 02/27/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy as subject property is a condo and building coverage required and wall-in if applicable. | provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/27/2025 | D A |
| XXX | XXXXX | 304632279 | FCRE7496 | 02/27/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal Summary reflects the borrower is responsible for $XXX in monthly HOA Dues on the subject property; however, file is missing verification of HOA Dues. | provided the HOA Statement | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/27/2025 | D A |
| XXX | XXXXX | 304635464 | FCOM8997 | 03/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304635464 | FCRE1183 | 03/05/2025 | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. An updated XXX is required reflecting the correct total income for B2. While the XXX reflects $XXX base income for the B2, the DTI of XXX%, is not including the $XXX monthly income when verified with a manual calculation. Including verification of the income and employment of $XXX, the DTI would total XXX%. | updated XXX | Documentation provided is sufficient. Exception resolved.; Approval/Underwriting Summary is fully present | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/05/2025 | B A |
| XXX | XXXXX | 304635464 | FCOM1233 | 03/05/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 in file reflects "Other-Base" Income of $XXX monthly for B2, however there is no income documentation or employment verification for this income. The qualifying DTI of XXX% is not including this income. An updated Final 1003 is required to reflect the correct amount of income used to qualify B2. Otherwise, verification of the income and employment would be required. | updated Final 1003 | Documentation provided is sufficient. Exception resolved.; The Final 1003 is Present | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/05/2025 | D A |
| XXX | XXXXX | 304632497 | FCOM8997 | 03/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304632497 | FCRE8999 | 03/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304632496 | FCOM8997 | 02/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304632496 | FCRE1438 | 02/19/2025 | Credit | Eligibility | ATR Risk | ATR Risk The borrower has XXX sources of retirement income, however only XXX has been documented and verified. ATR disposition cannot be determined without verification of the second income source. | Corrected XXX showing only XXX income used. | Documentation provided is sufficient. Exception resolved.; ATR Risk Resolved | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | C A |
| XXX | XXXXX | 304632496 | FCRE1497 | 02/19/2025 | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered the income documentation is incomplete. The income source listed on the XXX as "base" is neither further defined nor verified. | Corrected XXX showing only XXX income. | Documentation provided is sufficient. Exception resolved.; ATR: Reasonable Income or Assets Was Considered | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | C A |
| XXX | XXXXX | 304632767 | FCOM8997 | 03/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304632767 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304632677 | finding-3352 | 02/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304632677 | FCRE8999 | 02/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/25/2025 | A |
| XXX | XXXXX | 304632675 | finding-3352 | 02/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304632675 | FCRE7496 | 02/25/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Final 1003 reflects monthly HOA payment of $XXX, however, loan file is missing supporting documentation to verify the payment. | verification hoa fees quarterly; provided the HOA Statement | Documentation provided is sufficient. Exception resolved.; Final 1003 reflects monthly HOA payment of $XXX, however, documentation provided reflects $XXX but does not State exact period (monthly, quarterly or annually) the payment relates to. Exception remains. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/25/2025 | D A |
| XXX | XXXXX | 304634440 | FCOM8997 | 02/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304634440 | FCRE8999 | 02/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304632705 | finding-3352 | 03/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304632705 | FCRE7495 | 03/11/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Missing supporting documentation to verify monthly payments of $XXX for XXX #XXX with an unpaid balance of $XXX and $XXX for XXX #XXX unpaid balance of $XXX per Final 1003, as none of the accounts are reflected on the credit report. | Auto Loan #XXX & #XXX | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/11/2025 | D A |
| XXX | XXXXX | 304632672 | FCOM8997 | 03/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304632672 | FCRE8999 | 03/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304632669 | finding-3352 | 03/03/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/03/2025 | A |
| XXX | XXXXX | 304632669 | FCRE8999 | 03/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/03/2025 | A |
| XXX | XXXXX | 304632663 | FCOM8997 | 03/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304632663 | FCRE8999 | 03/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304632658 | FCOM8997 | 02/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304632658 | FCRE7496 | 02/27/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal Summary reflects the borrower is responsible for $XXX in monthly HOA Dues on the subject property, Missing Verification of HOA dues. | provided the HOA Statement | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/27/2025 | D A |
| XXX | XXXXX | 304632657 | FCOM8997 | 03/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/24/2025 | A |
| XXX | XXXXX | 304632657 | FCRE8999 | 03/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/24/2025 | A |
| XXX | XXXXX | 304632654 | FCOM8997 | 03/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304632654 | FCRE8999 | 03/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304632784 | FCOM8997 | 03/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304632784 | FCRE8999 | 03/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304642441 | FCOM8997 | 03/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304642441 | FCRE5116 | 03/13/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Credit Report does not show the mortgage from XXX #XXX; per guidelines (XXX) no late payments in the past XXX months; and (XXX) no more than one (XXX) times XXX days past due in the last XXX months pay history is required. | Payment history of the XXX | Documentation provided is sufficient. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/13/2025 | D A |
| XXX | XXXXX | 304634679 | FCOM8997 | 03/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/24/2025 | A |
| XXX | XXXXX | 304634679 | FCRE8999 | 03/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/24/2025 | A |
| XXX | XXXXX | 304636804 | FCOM8997 | 03/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304636804 | FCRE8999 | 03/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/20/2025 | A |
| XXX | XXXXX | 304632783 | FCOM8997 | 02/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304632783 | FCRE8999 | 02/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304632798 | FCOM8997 | 03/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/24/2025 | A |
| XXX | XXXXX | 304632798 | FCRE1728 | 03/24/2025 | Credit | Missing Doc | Missing rent comparable schedule form 1007 | For subject property net rental income calculation. | provided the form 1007 | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/24/2025 | D A |
| XXX | XXXXX | 304632754 | FCOM8997 | 02/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304632754 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304632973 | finding-3352 | 02/26/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304632973 | finding-2962 | 02/26/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304632973 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304633045 | FCOM8997 | 03/01/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/01/2025 | A |
| XXX | XXXXX | 304633045 | FCRE8999 | 02/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304632797 | FCOM8997 | 03/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/24/2025 | A |
| XXX | XXXXX | 304632797 | FCRE8999 | 03/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/24/2025 | A |
| XXX | XXXXX | 304632797 | FPRO1136 | 03/24/2025 | Credit | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis - Missing 1004D completion report. | provided the 1004d | Documentation provided is sufficient. Exception resolved.; Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/24/2025 | C A |
| XXX | XXXXX | 304635007 | finding-3352 | 03/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304635007 | FCRE8999 | 03/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/20/2025 | A |
| XXX | XXXXX | 304632796 | FCOM8997 | 02/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304632796 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304632934 | finding-3352 | 02/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304632934 | FCRE8999 | 02/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/25/2025 | A |
| XXX | XXXXX | 304633044 | finding-3352 | 03/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304633044 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304632959 | finding-3352 | 03/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304632959 | FCRE8999 | 03/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304632967 | finding-3352 | 02/26/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304632967 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304632971 | FCOM8997 | 03/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304632971 | FCRE1204 | 03/06/2025 | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Missing a letter of explanation or any other supporting documentation as borrowers mailing address of XXX was on the property tax bill. No evidence property was acquired by borrower or owned by borrower in the loan file. | Provided the LOX regarding the address discrepancy | Documentation provided is sufficient. Exception resolved.; All Fraud Report Alerts have been cleared or None Exist | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/06/2025 | C A |
| XXX | XXXXX | 304633041 | FCOM8997 | 03/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304633041 | FCRE1316 | 03/05/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing An acceptable Verbal VOE/business existence dated within XXX days of closing. | provided verification of the business | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/05/2025 | D A |
| XXX | XXXXX | 304633474 | finding-3352 | 02/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304633474 | FCRE1158 | 02/20/2025 | Credit | Missing Doc | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Lender to provide a copy of a hazard insurance policy reflecting the annual premium. The documentation provided in the file did not list the annual premium. | Provided the HOI with annual amount due | Documentation provided is sufficient. Exception resolved.; Hazard Insurance Policy is fully present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/20/2025 | D A |
| XXX | XXXXX | 304633474 | FCRE7496 | 02/20/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The loan file is missing verification of the subject property HOA dues. Lender to provide verification of the monthly Homeowners Association Dues (HOA) paid by the Borrower. | provided the HOA info | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/20/2025 | D A |
| XXX | XXXXX | 304635006 | FCOM8997 | 03/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/03/2025 | A |
| XXX | XXXXX | 304635006 | FCRE8999 | 03/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/03/2025 | A |
| XXX | XXXXX | 304633473 | finding-3352 | 02/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304633473 | FCRE8999 | 02/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304633472 | finding-3352 | 03/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304633472 | FCRE8999 | 03/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304638535 | finding-3430 | 03/17/2025 | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XXX CFR §XXX(b) (XXX) , (e) (XXX)) This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304638535 | FCRE1195 | 03/18/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% Audit used $XXX for the first lien mortgage balance as verified from the most credit report and a mortgage overview Statement. Missing the most recent mortgage Statement reflect XXX and payment break, according to the XXX, the lender used a balance of $XXX. | The balance after the March payment was made was $XXX. \| \| We then paid off an additional $XXX at closing per the closing disclosure, putting the balance at $XXX, which puts the CLTV at XXX%. \| | Explanation provided is sufficient. Exception resolved.; Audited CLTV of XXX% is less than or equal to Guideline CLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/18/2025 | C A |
| XXX | XXXXX | 304638535 | FCRE1196 | 03/18/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% Audit used $XXX for the first lien mortgage balance as verified from the most credit report and a mortgage overview Statement. Missing the most recent mortgage Statement reflect XXX and payment break, according to the XXX, the lender used a balance of $XXX. | The balance after the March payment was made was $XXX. \| \| We then paid off an additional $XXX at closing per the closing disclosure, putting the balance at $XXX, which puts the CLTV at XXX%. \| | Explanation provided is sufficient. Exception resolved.; Audited HLTV of XXX% is less than or equal to Guideline HCLTV of XXX% | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/18/2025 | C A |
| XXX | XXXXX | 304634437 | FCOM8997 | 03/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304634437 | FCRE8999 | 03/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304634436 | FCOM8997 | 02/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304634436 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304634677 | FCOM8997 | 02/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304634677 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304634556 | FCOM8997 | 03/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304634556 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304635462 | finding-3352 | 02/26/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304635462 | finding-2962 | 02/26/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304635462 | FCRE5774 | 02/26/2025 | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The Final 1003 list an installment loan from XXX with an unpaid balance of $XXX and monthly payment of $XXX under section 2c.. The credit report dated XX/XX/XXXX does not list this liability. Either a credit supplement or billing Statement verifying balance and payment. | provided the auto bill Statement from XXX | Documentation provided is sufficient. Exception resolved.; Borrower 1 Credit Report is not partially present. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/26/2025 | C A |
| XXX | XXXXX | 304636757 | finding-3352 | 03/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/20/2025 | A |
| XXX | XXXXX | 304636757 | FCRE8999 | 03/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/20/2025 | A |
| XXX | XXXXX | 304635062 | FCOM8997 | 03/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304635062 | FCRE9814 | 03/07/2025 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement | provided the Trust agreement | Documentation provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/07/2025 | D A |
| XXX | XXXXX | 304635062 | FCRE7496 | 03/07/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal Summary reflects the borrower is responsible for a $XXX in monthly HOA Dues on the subject property, However missing verification of the HOA Dues. | provided the HOA Statement | Documentation provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/07/2025 | D A |
| XXX | XXXXX | 304492562 | finding-3352 | 03/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304492562 | FCRE8999 | 03/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304636756 | finding-3352 | 03/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304636756 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304635893 | finding-3352 | 02/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304635893 | finding-2261 | 02/28/2025 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML compliant. This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304635893 | FCRE8999 | 02/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304635635 | FCOM8997 | 02/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304635635 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304635461 | FCOM8997 | 03/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/13/2025 | A |
| XXX | XXXXX | 304635461 | FCRE8999 | 03/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/13/2025 | A |
| XXX | XXXXX | 304636530 | finding-3352 | 03/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304636530 | FCRE8999 | 03/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304638659 | finding-3352 | 03/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304638659 | FCRE7495 | 03/14/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | The final loan application reflected a liability with XXX with a balance of $XXX and monthly payment of $XXX. This tradeline was not reflected on the borrower's credit report nor was there a Statement in file confirming the payment terms. | The XXX tradeline is listed on page XXX of the credit report. | Explanation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/14/2025 | D A |
| XXX | XXXXX | 304636550 | finding-3352 | 03/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304636550 | FCRE7496 | 03/06/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing updated HOI supporting the premium of $XXX used by Lender to qualify. Audit used the most conservative approach and used monthly premium of $XXX in DTI calculations. Updated from Final 1003 | Provided the HOI policy reflecting the premium amount | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | D A |
| XXX | XXXXX | 304636352 | finding-3352 | 03/12/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304636352 | finding-2502 | 03/12/2025 | Compliance | Points & Fees | XXX Home Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the XXX nonprime home loan test.The loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report.While the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304636352 | FCRE5116 | 03/13/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. The Credit Report contains a mortgage tradeline with Loancare Servicing, last reported XXX. Recent documentation reflecting a mortgage payment history was not located in the loan file. A Verification of Mortgage is required to validate the Mortgage Payment History Guideline of XXX and XXX. | Credit supplement for mortgage | Documentation provided is sufficient. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/13/2025 | D A |
| XXX | XXXXX | 304636429 | finding-3352 | 02/26/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304636429 | FCRE1336 | 02/26/2025 | Credit | Missing Doc | Borrower 1 Award Letter Missing | Borrower 1 Award Letter Missing Documentation to support receipt of VA Compensation in the amount of $XXX was not provide at the time of audit review. | Provided the VA COE | Documentation provided is sufficient. Exception resolved.; Borrower 1 Award Letter Provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/26/2025 | D A |
| XXX | XXXXX | 304636429 | FCRE6019 | 02/26/2025 | Credit | Missing Doc - Credit | Borrower 1 citizenship Documentation not provided | Borrower 1 citizenship Documentation Is Missing The USA Patriot Act Disclosure reflects driver's license expired XX/XX/XXXX. | that XX/XX/XXXX is the issue date, and there is no expiration date, because XXX has a program for seniors over XXX where they can be issued State IDs that do not expire/do not need renewal. | Explanation provided is sufficient. Exception resolved.; Borrower 1 citizenship Documentation Provided or Not Required | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/26/2025 | D A |
| XXX | XXXXX | 304636427 | finding-3352 | 02/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304636427 | finding-2623 | 02/27/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX).While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304636427 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304636823 | finding-3352 | 03/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304636823 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304637093 | finding-3352 | 03/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304637093 | FCRE8999 | 03/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/22/2025 | A |
| XXX | XXXXX | 304636822 | finding-3352 | 03/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/28/2025 | A |
| XXX | XXXXX | 304636822 | FCRE8999 | 03/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/28/2025 | A |
| XXX | XXXXX | 304636802 | finding-3352 | 02/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304636802 | FCRE5774 | 02/27/2025 | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The Final 1003 reflects the borrower is responsible for timeshare dues monthly payment of $XXX under section 2c.. However, the credit report dated XX/XX/XXXX does not list this liability. Either a credit Statement or credit supplement is required showing verifying this obligation. | provided timeshare payment info from XXX Destination | Documentation provided is sufficient. Exception resolved.; Borrower 1 Credit Report is not partially present. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/27/2025 | C A |
| XXX | XXXXX | 304636567 | finding-3352 | 02/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304636567 | finding-842 | 02/28/2025 | Compliance | Points & Fees | AR HB XXX High Cost Home Loan Points and Fees Threshold Test | This loan failed the high cost home loan points and fees threshold test due to one of the following findings: (XXX XX/XX/XXXX Definitions, (XXX) (A)) The total points and fees (as defined in the legislation) exceed XXX% of the total loan amount (as defined in the legislation) if the total loan amount is $XXX or more.The total points and fees exceed XXX% of the total loan amount if the total loan amount is more than $XXX but less than $XXX.The total points and fees exceed XXX% of the total loan amount if the total loan amount is $XXX or less. This loan is failing the XXX High Cost Points and Fees Threshold Test by $XXX. The fees included are: Disbursement Fee $XXX, MERS Registration Fee $XXX, Loan Discount Fee $XXX, Rate Lock Fee $XXX, Recording Service Fee $XXX, Technology Fee $XXX, Third Party Processing Fee $XXX, Title Coordination Fee $XXX and Title Courier Fee $XXX. | Attached copy of cure check; Attached includes check request, LOE, amended CD, bona fide error defense letter, and FedEx label. Will provide a copy of the check once available.; XXX Home Loan Protection Act Determination: XXX Home Loan Protection Act only applies to Second Lien PURCHASE transactions | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; will downgrade upon receipt of the copy of the check; The XXX Home Loan Protection Act (XXX) defines a 'high-cost home loan" to expressly exclude bridge loans, construction loans, or first lien purchase loans secured by 1-4 Family residential structure. See XXX statutes § XX/XX/XXXX(XXX) (A). | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Cured |  | C B |
| XXX | XXXXX | 304636567 | FCRE8999 | 02/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304638307 | FCOM8997 | 03/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304638307 | FCRE8999 | 03/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304637092 | finding-3352 | 02/27/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304637092 | FCRE1336 | 02/28/2025 | Credit | Missing Doc | Borrower 1 Award Letter Missing | Borrower 1 Award Letter Missing for VA Compensation. | provided the VA COE | Documentation provided is sufficient. Exception resolved.; Borrower 1 Award Letter Provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/28/2025 | D A |
| XXX | XXXXX | 304638614 | finding-3352 | 02/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304638614 | FCRE8999 | 02/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304636821 | finding-3352 | 03/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304636821 | FCRE8999 | 03/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304637090 | finding-3352 | 03/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304637090 | FCRE1204 | 03/05/2025 | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts - A High Alert for the borrower's name not being associated with this SSN. There was no evidence the lender addressed or cleared this alert and a copy of the SSN card was not provided in file. | We don't get an SSA-XXX unless the DU advises us to. In this case, it's just an alert that there were other identities found. There's nothing to clear, because the best match came back for our borrower and was also validated by the credit report. \| \| | Explanation provided is sufficient. Credit Report clears the SS number issue. Exception resolved.; All Fraud Report Alerts have been cleared or None Exist | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/05/2025 | C A |
| XXX | XXXXX | 304639843 | finding-3352 | 03/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304639843 | FCRE8999 | 03/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304637154 | FCOM8997 | 03/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304637154 | FCRE7495 | 03/05/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | The final loan application reflects an installment account with XXX monthly payment of $XXX. This debt was not on the credit report nor was there any documentation in file to confirm this payment. | provided the Auto contract | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/05/2025 | D A |
| XXX | XXXXX | 304637153 | FCOM8997 | 03/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304637153 | FCRE8999 | 03/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304637166 | finding-3352 | 03/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304637166 | finding-2261 | 03/06/2025 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304637166 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304637165 | FCOM8997 | 03/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304637165 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304637578 | FCOM8997 | 03/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304637578 | FCRE8999 | 03/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304637577 | FCOM8997 | 03/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304637577 | FCRE8999 | 03/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304637575 | FCOM8997 | 03/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/20/2025 | A |
| XXX | XXXXX | 304637575 | FCRE8999 | 03/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/19/2025 | A |
| XXX | XXXXX | 304639760 | FCOM8997 | 03/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304639760 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304637570 | FCOM8997 | 03/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304637570 | FCRE8999 | 03/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304637568 | FCOM8997 | 03/01/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/01/2025 | A |
| XXX | XXXXX | 304637568 | FCRE8999 | 02/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304637566 | FCOM8997 | 03/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304637566 | FCRE7496 | 03/12/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Final XXX reflects monthly HOA payment is $XXX for subject property, however, loan file is missing supporting documentation to verify the payment. | provided the HOA Statement |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/12/2025 | D A |
| XXX | XXXXX | 304637563 | finding-3352 | 03/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/13/2025 | A |
| XXX | XXXXX | 304637563 | finding-2502 | 03/13/2025 | Compliance | Points & Fees | XXX Home Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the XXX nonprime home loan test.The loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report.While the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/13/2025 | A |
| XXX | XXXXX | 304637563 | FCRE8999 | 03/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/13/2025 | A |
| XXX | XXXXX | 304637562 | FCOM8997 | 03/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304637562 | FCRE8999 | 03/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304637561 | finding-3352 | 03/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304637561 | FCRE7496 | 03/04/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal Summary reflects the borrower is responsible for $XXX in monthly HOA Dues on the subject property, However missing verification of HOA Dues | HOA Statement | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | D A |
| XXX | XXXXX | 304637560 | FCOM8997 | 03/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/31/2025 | A |
| XXX | XXXXX | 304637560 | FCRE8999 | 03/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/28/2025 | A |
| XXX | XXXXX | 304638301 | FCOM8997 | 03/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304638301 | FCRE1764 | 03/11/2025 | Credit | Missing Doc | Missing Verification of Mortgage | The file is missing the required mortgage Statement for the first lien reflecting the monthly payment breakdown. | provided the MLS; Uploaded the loan Statement to the other condition | Documentation provided is sufficient. Exception resolved.; Do not see the other condition with a document attached. Please provide requested document. Exception remains. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/11/2025 | D A |
| XXX | XXXXX | 304637651 | finding-3352 | 02/28/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304637651 | FCRE8999 | 02/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304638613 | finding-3352 | 03/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304638613 | FCRE5116 | 03/10/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. The credit report does not reflect the 1st lien mortgage with XXX #XXX. Per guidelines a verification of mortgage history required XXX or XXX. | provided the credit supplement for the 1st lien mortgage | Documentation provided is sufficient. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/10/2025 | D A |
| XXX | XXXXX | 304638542 | FCOM8997 | 03/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/25/2025 | A |
| XXX | XXXXX | 304638542 | FCRE1336 | 03/25/2025 | Credit | Missing Doc | Borrower 1 Award Letter Missing | Borrower 1 Award Letter Missing The Final 1003 reflects Borrower 1 receives a Social Security Benefit of $XXX. The loan file contains XXX years of transcript the most recent being XXX, but the loan closed in XXX and an Award Letter would be required for the new year XXX. Documentation to support the Social Security Award Benefit of $XXX is required. | provided the SSi award letter | Documentation provided is sufficient. Exception resolved.; Borrower 1 Award Letter Provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/25/2025 | D A |
| XXX | XXXXX | 304638542 | FCRE1173 | 03/25/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy A copy the HO-XXX Master Insurance Policy is required. | provided the HO6 master policy \| | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/25/2025 | D A |
| XXX | XXXXX | 304638542 | FCRE7496 | 03/27/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX and Underwriter Comments indicate monthly HOA dues of $XXX. Documentation to support HOA dues of $XXX is required. | provided the HOA dues | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/27/2025 | D A |
| XXX | XXXXX | 304639456 | finding-3352 | 03/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304639456 | FCRE1328 | 03/07/2025 | Credit | Missing Doc | Borrower 1 W2/XXX Missing | Borrower 1 W2/XXX Missing. Required per guidelines. | provided the B1 W2s | Documentation provided is sufficient. Exception resolved.; Borrower 1 W2/XXX Provided | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/07/2025 | D A |
| XXX | XXXXX | 304639456 | FCRE1358 | 03/07/2025 | Credit | Missing Doc | Borrower 2 W2/XXX Missing | Borrower 2 W2/XXX Missing. Required per guidelines. | provided the B2 W2 | Documentation provided is sufficient. Exception resolved.; Borrower 2 W2/XXX Provided or Not Applicable (Number of Borrowers equals XXX) | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/07/2025 | D A |
| XXX | XXXXX | 304637678 | FCOM8997 | 02/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304637678 | FCRE8999 | 02/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304638300 | finding-3352 | 03/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304638300 | FCRE8999 | 03/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304637885 | finding-3352 | 03/06/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304637885 | finding-2261 | 03/06/2025 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304637885 | FCRE7495 | 03/06/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | The file contains a Letter of Explanation regarding credit inquiries and recent debts opened by borrower. This document indicates the borrower opened a new installment account with XXX with a balance of $XXX. Missing account Statement to confirm balance and monthly payment. | Provide the XXX contract | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/06/2025 | D A |
| XXX | XXXXX | 304639759 | FCOM8997 | 03/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304639759 | FCRE8999 | 03/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/20/2025 | A |
| XXX | XXXXX | 304640115 | FCOM8997 | 03/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304640115 | FCRE8999 | 03/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304637884 | finding-3352 | 03/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304637884 | FCRE8999 | 03/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304638475 | FCOM8997 | 03/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304638475 | FCRE8999 | 03/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304638540 | FCOM8997 | 03/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304638540 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304638297 | finding-3352 | 03/04/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304638297 | FCRE8999 | 03/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/04/2025 | A |
| XXX | XXXXX | 304638611 | FCOM8997 | 03/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304638611 | FCRE7497 | 03/11/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA dues verification for property at XXX. | Processor Cert | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/11/2025 | D A |
| XXX | XXXXX | 304639869 | FCOM8997 | 03/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304639869 | FCRE1158 | 03/07/2025 | Credit | Missing Doc | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided - Homeowner insurance policy provided does not reflect the Insurance company or Agent that produced the policy. | provided the HOI and a processor cert verifying the HOI with company name and phone number | Documentation provided is sufficient. Exception resolved.; Hazard Insurance Policy is fully present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/07/2025 | D A |
| XXX | XXXXX | 304639042 | finding-3352 | 03/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304639042 | FCRE1193 | 03/12/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The lender utilized B2 Social Security Benefits to qualify in the amount of $XXX. However, the loan file only has one SSI Award letter for B2 that reflects borrower receives $XXX per month. Which would be $XXX per month using the standardized FNMA gross up of XXX% at XXX%. There is no evidence B2 receives $XXX per month. | Income documents | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/12/2025 | C A |
| XXX | XXXXX | 304639042 | FCRE7496 | 03/12/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Loan is missing the 1st lien mortgage Statement with payment breakdown. | Please see the Statement and pay history; will this suffice? | Documentation provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/12/2025 | D A |
| XXX | XXXXX | 304638538 | finding-3352 | 03/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304638538 | FCRE8999 | 03/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304638609 | finding-3352 | 03/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304638609 | finding-2623 | 03/07/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX).While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304638609 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304638608 | FCOM8997 | 03/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304638608 | FCRE8999 | 03/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/14/2025 | A |
| XXX | XXXXX | 304639988 | FCOM8997 | 03/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304639988 | FCRE8999 | 03/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/14/2025 | A |
| XXX | XXXXX | 304640290 | finding-3352 | 03/22/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/22/2025 | A |
| XXX | XXXXX | 304640290 | FCRE8999 | 03/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/23/2025 | A |
| XXX | XXXXX | 304638993 | finding-3352 | 03/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304638993 | FCRE1437 | 03/12/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The borrower was qualified using VA Compensation income of $XXX. However, there is no evidence in file verifying this income. The DTI and Income are subject to re-calculation upon receipt the verification of VA Compensation. | Income Verification | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/12/2025 | C A |
| XXX | XXXXX | 304638993 | FCRE3860 | 03/12/2025 | Credit | Missing Doc | SCIF Document Missing | This loan is an Risk Assesment is: (DU) with an application date of: (XX/XX/XXXX) which is after XX/XX/XXXX, or this is an FHA loan with an application date after XX/XX/XXXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. | SCIF | Documentation provided is sufficient. Exception resolved.; This Supplemental Consumer Information Form is Present. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/12/2025 | D A |
| XXX | XXXXX | 304638992 | FCOM8997 | 03/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304638992 | FCRE8999 | 03/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304639041 | FCOM8997 | 03/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304639041 | FCRE8999 | 03/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304638991 | FCOM8997 | 03/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only |  | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304638991 | FCRE8999 | 03/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only |  | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304639658 | FCOM8997 | 03/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304639658 | FCRE8999 | 03/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304639454 | FCOM8997 | 03/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304639454 | FCRE8999 | 03/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304639940 | FCOM8997 | 03/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304639940 | FCRE0360 | 03/11/2025 | Credit | Borrower | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. 1st lien mortgage Statement reflect payment breakdown required. | Mortgage loan Statement with payment breakdown | Documentation provided is sufficient. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially present. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/11/2025 | C A |
| XXX | XXXXX | 304639940 | FPRO1136 | 03/11/2025 | Credit | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis "Subject to" Lender to provide final inspection (XXX Smoke Alarms missing) | Smoke alarms installed | Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/11/2025 | C A |
| XXX | XXXXX | 304643342 | finding-3352 | 03/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304643342 | FCRE8999 | 03/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/19/2025 | A |
| XXX | XXXXX | 304639987 | FCOM8997 | 03/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304639987 | FCRE8999 | 03/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/20/2025 | A |
| XXX | XXXXX | 304640289 | finding-3352 | 03/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304640289 | FCRE8999 | 03/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304641826 | finding-3352 | 03/25/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/25/2025 | A |
| XXX | XXXXX | 304641826 | FCRE8999 | 03/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/25/2025 | A |
| XXX | XXXXX | 304641826 | FVAL1310 | 03/25/2025 | Credit | Missing Doc | Missing HOA/Condo Certification | Borrower's Letter of Explanation for REO XXX. reflects the property has HOA dues. Required documentation to support HOA dues is missing from the loan file. | provided the HOA Statement | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/25/2025 | D A |
| XXX | XXXXX | 304639775 | finding-3352 | 03/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304639775 | FCRE8999 | 03/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/18/2025 | A |
| XXX | XXXXX | 304640113 | finding-3352 | 03/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304640113 | FCRE8999 | 03/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304639938 | finding-3352 | 03/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304639938 | FCRE8999 | 03/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304639936 | FCOM8997 | 03/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304639936 | FCRE8999 | 03/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/06/2025 | A |
| XXX | XXXXX | 304639986 | FCOM8997 | 03/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304639986 | FCRE8999 | 03/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304669751 | finding-3352 | 03/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/31/2025 | A |
| XXX | XXXXX | 304669751 | FCRE8999 | 04/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/01/2025 | A |
| XXX | XXXXX | 304640286 | finding-651 | 03/21/2025 | Compliance | Points & Fees | TILA Finance Charge Test | This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. | Please see attached Lender Cert explaining why we do not consider the XXX (XXX) Fee to be a finance charge | Appraisal management is not considered a PFC; Exception resolved; Appraisal management is not considered a PFC; Exception resolved; Cure required: Cure of $XXX required for underdisclosure of finance charges. The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. The Appraisal Management fee of $XXX was not included within finance charge calculations. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/21/2025 | C A |
| XXX | XXXXX | 304640286 | FCRE8999 | 03/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/20/2025 | A |
| XXX | XXXXX | 304640281 | finding-3352 | 03/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304640281 | FCRE8999 | 03/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/20/2025 | A |
| XXX | XXXXX | 304640280 | finding-3352 | 03/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304640280 | FCRE8999 | 03/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304643399 | finding-3352 | 03/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/19/2025 | A |
| XXX | XXXXX | 304643399 | finding-2962 | 03/19/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | Non-QM This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/19/2025 | A |
| XXX | XXXXX | 304643399 | FCRE8999 | 03/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/19/2025 | A |
| XXX | XXXXX | 304641211 | finding-3352 | 03/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304641211 | FCRE8999 | 03/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/20/2025 | A |
| XXX | XXXXX | 304641825 | finding-3352 | 03/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304641825 | FCRE8999 | 03/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304641210 | finding-3352 | 03/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/18/2025 | A |
| XXX | XXXXX | 304641210 | FCRE8999 | 03/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304641209 | FCOM8997 | 03/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/25/2025 | A |
| XXX | XXXXX | 304641209 | FCRE8999 | 03/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/26/2025 | A |
| XXX | XXXXX | 304641266 | finding-3352 | 03/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/18/2025 | A |
| XXX | XXXXX | 304641266 | FCRE8999 | 03/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/19/2025 | A |
| XXX | XXXXX | 304663723 | finding-3430 | 03/18/2025 | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | XXX Property This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XXX CFR §XXX(b) (XXX) , (e) (XXX)) This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/18/2025 | A |
| XXX | XXXXX | 304663723 | FCRE8999 | 03/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/19/2025 | A |
| XXX | XXXXX | 304641822 | finding-3352 | 03/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304641822 | FCRE8999 | 03/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/20/2025 | A |
| XXX | XXXXX | 304642554 | finding-3352 | 03/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/18/2025 | A |
| XXX | XXXXX | 304642554 | FCRE8999 | 03/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/18/2025 | A |
| XXX | XXXXX | 304643165 | FCOM8997 | 03/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/13/2025 | A |
| XXX | XXXXX | 304643165 | FCRE8999 | 03/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/14/2025 | A |
| XXX | XXXXX | 304643097 | finding-3352 | 03/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304643097 | FCRE8999 | 03/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/20/2025 | A |
| XXX | XXXXX | 304663381 | FCOM8997 | 03/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/25/2025 | A |
| XXX | XXXXX | 304663381 | FCRE8999 | 03/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/25/2025 | A |
| XXX | XXXXX | 304643146 | finding-3352 | 03/31/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/31/2025 | A |
| XXX | XXXXX | 304643146 | FCRE8999 | 03/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/31/2025 | A |
| XXX | XXXXX | 304643511 | FCOM8997 | 03/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/22/2025 | A |
| XXX | XXXXX | 304643511 | FCRE8999 | 03/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/23/2025 | A |
| XXX | XXXXX | 304643142 | finding-3352 | 03/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304643142 | finding-2962 | 03/21/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304643142 | FCRE8999 | 03/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304632970 | finding-3352 | 03/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304632970 | FCRE8999 | 03/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304643139 | finding-3352 | 03/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/18/2025 | A |
| XXX | XXXXX | 304643139 | FCRE8999 | 03/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/18/2025 | A |
| XXX | XXXXX | 304643138 | finding-3352 | 03/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304643138 | FCRE8999 | 03/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304643137 | finding-3352 | 03/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and meets closed end second lien requirements. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/18/2025 | A |
| XXX | XXXXX | 304643137 | FCRE8999 | 03/18/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/18/2025 | A |
| XXX | XXXXX | 304644282 | FCOM8997 | 03/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/31/2025 | A |
| XXX | XXXXX | 304644282 | FCRE8999 | 04/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 04/01/2025 | A |
| XXX | XXXXX | 304643240 | finding-3352 | 03/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/20/2025 | A |
| XXX | XXXXX | 304643240 | finding-2962 | 03/20/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/20/2025 | A |
| XXX | XXXXX | 304643240 | FCRE8999 | 03/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/19/2025 | A |
| XXX | XXXXX | 304643340 | FCOM8997 | 03/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/25/2025 | A |
| XXX | XXXXX | 304643340 | FCRE8999 | 03/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/25/2025 | A |
| XXX | XXXXX | 304643356 | FCOM8997 | 03/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304643356 | FCRE8999 | 03/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/21/2025 | A |
| XXX | XXXXX | 304643339 | FCOM8997 | 03/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/26/2025 | A |
| XXX | XXXXX | 304643339 | FCRE8999 | 03/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/26/2025 | A |
| XXX | XXXXX | 304664485 | FCOM8997 | 03/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/26/2025 | A |
| XXX | XXXXX | 304664485 | FCRE8999 | 03/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/26/2025 | A |
| XXX | XXXXX | 304654688 | finding-3352 | 03/22/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/22/2025 | A |
| XXX | XXXXX | 304654688 | FCRE8999 | 03/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/23/2025 | A |
| XXX | XXXXX | 304654716 | FCOM8997 | 03/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/25/2025 | A |
| XXX | XXXXX | 304654716 | FCRE1173 | 03/26/2025 | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy Subject property is a condominium which requires master insurance. The borrower's current hazard insurance policy does not have sufficient coverage. | provided the HO6 master policy | Documentation provided is sufficient. Exception resolved.; HO-XXX Master Insurance Policy is fully present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/26/2025 | D A |
| XXX | XXXXX | 304669750 | FCOM8997 | 03/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/22/2025 | A |
| XXX | XXXXX | 304669750 | FCRE8999 | 03/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/23/2025 | A |
| XXX | XXXXX | 304664451 | finding-3352 | 03/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/24/2025 | A |
| XXX | XXXXX | 304664451 | FCRE8999 | 03/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/23/2025 | A |
| XXX | XXXXX | 304664612 | FCOM8997 | 03/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/31/2025 | A |
| XXX | XXXXX | 304664612 | FCRE8999 | 04/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 04/01/2025 | A |
| XXX | XXXXX | 304664610 | finding-3352 | 03/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/24/2025 | A |
| XXX | XXXXX | 304664610 | FCRE8999 | 03/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/23/2025 | A |
| XXX | XXXXX | 304664606 | finding-3352 | 03/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/24/2025 | A |
| XXX | XXXXX | 304664606 | FCRE8999 | 03/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/23/2025 | A |
| XXX | XXXXX | 304664599 | finding-3352 | 03/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/24/2025 | A |
| XXX | XXXXX | 304664599 | FCRE8999 | 03/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/24/2025 | A |
| XXX | XXXXX | 304634681 | finding-3430 | 03/24/2025 | Compliance | QM-ATR | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XXX CFR §XXX(b) (XXX) , (e) (XXX)) This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. XXX Property |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/24/2025 | A |
| XXX | XXXXX | 304634681 | FCRE8999 | 03/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/23/2025 | A |
| XXX | XXXXX | 304667932 | FCOM8997 | 04/01/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/01/2025 | A |
| XXX | XXXXX | 304667932 | FCRE8999 | 04/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 04/01/2025 | A |
| XXX | XXXXX | 304667931 | finding-3352 | 04/02/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines therefore, downgraded to an A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 04/02/2025 | A |
| XXX | XXXXX | 304667931 | FCRE8999 | 04/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 04/02/2025 | A |
| XXX | XXXXX | 304668998 | FCOM8997 | 03/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/25/2025 | A |
| XXX | XXXXX | 304668998 | FCRE8999 | 03/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/26/2025 | A |
| XXX | XXXXX | 304078884 | FCOM8997 | 02/08/2024 | Compliance | Data | No Compliance Findings | No Compliance findings- The loan is in compliance with all applicable laws and regulations |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/08/2024 | A |
| XXX | XXXXX | 304078884 | FCRE1193 | 02/08/2024 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Per Lender Guidelines XXX XXX(a) (XXX) loans have a maximum DTI of XXX%. The DTI calculated is over the maximum allowed because of the property taxes and insurance were not included in total DTI accurately. The tax cert in file does not indicate the borrower claimed homestead exception. Audit calculated the total XXX PITIA was calculated at $XXX per month ($XXX P&I, $XXX taxes and $XXX HOI) , however the XXX PITIA included in the lender calculated DTI was $XXX. The loan file did not contain a mortgage Statement, but included the XXX lien Note, Tax Cert and HOI to support calculation. Therefore, audit DTI of XXX% exceeds maximum DTI of XXX% and lender calculated DTI of XXX%. | REV XX/XX/XXXX WITH GROSSED UP INCOME | Received an email correspondence from Client requesting exception to be downgraded. ; ; Received updated 1008 and 1003 with revised SSI income, as it was grossed up to get DTI under XXX%. The Seller Guidelines are silent regarding fixed income. Per FNMA Guidelines SSI can be grossed up, but only XXX% of the SSI can be grossed up XXX%. Which would result in a total income $XXX for the borrower of $XXX for co-borrower. The revised 1008 and 1003 provided grossed up co-borrowers SSI incorrectly as XXX% of the SSI was used, rather than XXX%. Therefore, the total combined income would be $XXX, not $XXX which is not enough to bring the DTI back down under XXX%. The initial issue was HOI monthly payment and property taxes were calculated incorrectly. A much less amount was utilized. Exception Remains; The Seller Guidelines are silent regarding fixed income. Per FNMA Guidelines SSI can be grossed up, but only XXX% of the SSI can be grossed up XXX%. Which would result in a total income $XXX for the borrower of $XXX for co-borrower. The revised 1008 and 1003 provided grossed up co-borrowers SSI incorrectly as XXX% of the SSI was used, rather than XXX%. Therefore, the total combined income would be $XXX, not $XXX which is not enough to bring the DTI back down under XXX%. The initial issue was HOI monthly payment and property taxes were calculated incorrectly. A much less amount was utilized. Exception Remains; Audited DTI of XXX% exceeds Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Acknowledged |  | No C B |
| XXX | XXXXX | 304476594 | FCOM1262 | 01/28/2025 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing Borrower 2's Right of Rescission is Missing | nor | Right of Rescission is Provided; Right of Rescission for Borrower 2 was provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2025 | D A |
| XXX | XXXXX | 304476594 | FCRE8999 | 01/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304361463 | FCOM8997 | 08/01/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/01/2024 | A |
| XXX | XXXXX | 304361463 | FCRE1193 | 08/01/2024 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Lender omitted an unsecured installment loan with XXX no XXX (XXX) with a balance of $XXX current payment of $XXX. No documentation in file to support omission of this debt. Payoff Statement in file, but Final CD did not include this debt being paid off. | There e was more income that was not used. We have updated the file with the new calculations. Please see attached and let us know if you need anything else. | Received updated income calculations including additional income not initially used. Exception Resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/01/2024 | C A |
| XXX | XXXXX | 304364754 | finding-3352 | 07/26/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 07/26/2024 | A |
| XXX | XXXXX | 304364754 | FCRE8999 | 07/28/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 07/28/2024 | A |
| XXX | XXXXX | 304359288 | FCOM8997 | 07/25/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/25/2024 | A |
| XXX | XXXXX | 304359288 | FCRE8999 | 07/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/25/2024 | A |
| XXX | XXXXX | 304361462 | finding-3352 | 08/07/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/07/2024 | A |
| XXX | XXXXX | 304361462 | finding-805 | 08/07/2024 | Compliance | Points & Fees | CA AB XXX/XXX Covered Loan APR Threshold Test | This loan failed the APR threshold test. (XXX §XXX [CA FC §XXX(b) (XXX) (A) ]) The annual percentage rate at consummation exceeds by more than XXX% points the yield on Treasury securities having comparable periods of maturity on the 15th day of the month immediately preceding the month of the date creditor received application (formerly application date). | Refund; Please see enclosed PCCD showing a $XXX lender credit, which reduces the APR below the threshold. ; Since the difference between the loan's APR of XXX% and the XXX limit of XXX% is XXX%, would you accept a cure to the borrower in the amount of $XXX (XXX% \* $XXX loan amount) to clear the suspense? ; Good afternoon, is there a way to remedy this finding? What steps would you like us to take to remedy this? Thank you. | PCCD and cure provided; exception resolved; PCCD and cure provided; exception resolved; PCCD indicates borrower received a credit of $XXX Please provide proof of refund or principal reduction, LOE and proof of delivery (if refund check was provided) to resolve the exception.; PCCD indicates borrower received a credit of $XXX Please provide proof of refund or principal reduction, LOE and proof of delivery (if refund check was provided) to resolve the exception. ; If a PCCD and cure package provided results in the calculated APR that is under the XXX% threshold it will cure this exception; In order to cure the exception, the calculated and disclosed APR would need to be adjusted to below the CA Covered loan APR threshold which is XXX% for this transaction | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/07/2024 | C A |
| XXX | XXXXX | 304361462 | finding-2962 | 08/07/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/07/2024 | A |
| XXX | XXXXX | 304361462 | FCRE8999 | 08/07/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/07/2024 | A |
| XXX | XXXXX | 304355845 | FCOM8997 | 08/29/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/29/2024 | A |
| XXX | XXXXX | 304355845 | FCRE8999 | 08/29/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/29/2024 | A |
| XXX | XXXXX | 304354227 | finding-3352 | 08/14/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Complaint | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/14/2024 | A |
| XXX | XXXXX | 304354227 | FCRE8999 | 08/15/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/15/2024 | A |
| XXX | XXXXX | 304358641 | finding-3352 | 08/16/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/16/2024 | A |
| XXX | XXXXX | 304358641 | FCRE8999 | 08/15/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/15/2024 | A |
| XXX | XXXXX | 304363559 | FCOM8997 | 08/12/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/12/2024 | A |
| XXX | XXXXX | 304363559 | FCRE8999 | 08/12/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/12/2024 | A |
| XXX | XXXXX | 304376254 | FCOM8997 | 08/29/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/29/2024 | A |
| XXX | XXXXX | 304376254 | FCRE8999 | 08/28/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/28/2024 | A |
| XXX | XXXXX | 304384901 | FCOM8997 | 09/23/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/23/2024 | A |
| XXX | XXXXX | 304384901 | FCRE8999 | 09/24/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/24/2024 | A |
| XXX | XXXXX | 304392166 | FCOM8997 | 10/09/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/09/2024 | A |
| XXX | XXXXX | 304392166 | FCRE8999 | 10/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/09/2024 | A |
| XXX | XXXXX | 304380698 | finding-3352 | 10/09/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/09/2024 | A |
| XXX | XXXXX | 304380698 | FCRE8999 | 10/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/09/2024 | A |
| XXX | XXXXX | 304382101 | finding-3352 | 09/24/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 09/24/2024 | A |
| XXX | XXXXX | 304382101 | FCRE8999 | 09/24/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 09/24/2024 | A |
| XXX | XXXXX | 304388055 | FCOM8997 | 09/21/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/21/2024 | A |
| XXX | XXXXX | 304388055 | FCRE8999 | 09/23/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/23/2024 | A |
| XXX | XXXXX | 304385912 | FCOM8997 | 10/02/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/02/2024 | A |
| XXX | XXXXX | 304385912 | FCRE8999 | 10/02/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/02/2024 | A |
| XXX | XXXXX | 304388008 | finding-3352 | 10/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/11/2024 | A |
| XXX | XXXXX | 304388008 | FCRE8999 | 10/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/11/2024 | A |
| XXX | XXXXX | 304387008 | FCOM8997 | 10/09/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/09/2024 | A |
| XXX | XXXXX | 304387008 | FCRE8999 | 10/08/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/08/2024 | A |
| XXX | XXXXX | 304386586 | finding-3352 | 10/02/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXXXX | 304386586 | FCRE8999 | 10/02/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/02/2024 | A |
| XXX | XXXXX | 304422541 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304422541 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304401311 | FCOM8997 | 11/15/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304401311 | FCRE8999 | 11/15/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304426376 | finding-3352 | 11/15/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304426376 | finding-2261 | 11/15/2024 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML compliant This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | HPML Compliant; HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304426376 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304443090 | finding-3367 | 12/24/2024 | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | RESPA Homeownership Counseling Organizations Disclosure dated XX/XX/XXXX was not delivered within XXX business days of application date of XX/XX/XXXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (XXX CFR §XXX(a)) The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided) ; orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX) The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX) Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. | counseling disclosure | HOC dated XX/XX/XXXX provided; Exception resolved; HOC dated XX/XX/XXXX provided; Exception resolved; Open | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/24/2024 | C A |
| XXX | XXXXX | 304443090 | FCRE8999 | 12/23/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Resolved; Informational Only; Informational Only; | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/23/2024 | A |
| XXX | XXXXX | 304423689 | FCOM8997 | 11/06/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. Comp factor \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Comp factor \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Comp factor | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304423689 | FCRE8999 | 11/06/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. Comp factor \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Comp factor \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Comp factor | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304471174 | finding-3352 | 02/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304471174 | finding-2962 | 02/13/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304471174 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304420524 | FCOM8997 | 11/25/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304420524 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304422572 | FCOM8997 | 11/25/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304422572 | FCRE8999 | 11/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304424111 | finding-3352 | 12/10/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304424111 | finding-2962 | 12/10/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304424111 | FCRE8999 | 12/10/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/10/2024 | A |
| XXX | XXXXX | 304423718 | FCOM8997 | 11/21/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/21/2024 | A |
| XXX | XXXXX | 304423718 | FCOM1233 | 11/21/2024 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete The final loan application reflected B1 was receiving two sources of Social Security income, however based on the documentation in file, B1 is receiving $XXX per month in Social Security income and B2 is receiving $XXX per month in Social Security income. Lender is to provide an updated final loan application reflecting the corrections. | updated XXX | Exception resolved.; The Final 1003 is Present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/21/2024 | D A |
| XXX | XXXXX | 304462270 | FCOM8997 | 01/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304462270 | FCRE8999 | 01/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304440306 | FCOM1544 | 01/02/2025 | Compliance | Missing Doc | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Missing final CD. | CD | TRID: Final Closing Disclosure Provided | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/02/2025 | D A |
| XXX | XXXXX | 304440306 | FCRE8999 | 01/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/02/2025 | A |
| XXX | XXXXX | 304437966 | FCOM8997 | 12/24/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/24/2024 | A |
| XXX | XXXXX | 304437966 | FCRE8999 | 12/23/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/23/2024 | A |
| XXX | XXXXX | 304444778 | finding-3352 | 01/18/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/18/2025 | A |
| XXX | XXXXX | 304444778 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304440032 | finding-3352 | 12/20/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304440032 | FCRE8999 | 12/20/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304462063 | FCOM8997 | 12/23/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/23/2024 | A |
| XXX | XXXXX | 304462063 | FCRE8999 | 12/20/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/20/2024 | A |
| XXX | XXXXX | 304440305 | FCOM8997 | 01/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304440305 | FCOM1227 | 01/28/2025 | Credit | Missing Doc | PUD Rider is Missing | PUD Rider is Missing | Mortgage | The PUD Rider is Present or is Not Applicable (Property Type is PUD) ; Documentation provided is sufficient. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2025 | D A |
| XXX | XXXXX | 304441632 | FCOM8997 | 12/26/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304441632 | FCRE8999 | 12/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304441797 | FCOM8997 | 01/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304441797 | FCRE8999 | 01/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304459232 | finding-3352 | 01/17/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304459232 | finding-2623 | 01/17/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A.; Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304459232 | FCRE3978 | 01/20/2025 | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Credit report reflects an inquiry with XXX dated XX/XX/XXXX, however missing LOE from borrower addressing this inquiry as required by guidelines. | Credit report evidences on page XXX that a XXX account was opened as a result of the XXX inquiry. No LOX would be needed as liability already reporting. | Explanation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2025 | D A |
| XXX | XXXXX | 304472438 | FCOM8997 | 01/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/07/2025 | A |
| XXX | XXXXX | 304472438 | FCRE8999 | 01/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/07/2025 | A |
| XXX | XXXXX | 304472420 | FCOM8997 | 01/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/08/2025 | A |
| XXX | XXXXX | 304472420 | FCRE8999 | 01/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/08/2025 | A |
| XXX | XXXXX | 304459103 | FCOM8997 | 01/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304459103 | FCRE8999 | 01/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304459311 | finding-3352 | 01/08/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/08/2025 | A |
| XXX | XXXXX | 304459311 | FCRE8999 | 01/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/08/2025 | A |
| XXX | XXXXX | 304456468 | finding-3352 | 12/26/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304456468 | finding-2962 | 12/26/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304456468 | FCRE8999 | 12/26/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304492076 | FCOM8997 | 02/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304492076 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304459105 | FCOM8997 | 01/30/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2025 | A |
| XXX | XXXXX | 304459105 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304572077 | FCOM8997 | 02/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304572077 | FCRE1193 | 02/27/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI Variance is due to property tax amount of $XXX on tax certificate vs $XXX from mortgage Statement used by Lender. As a result, Audit calculated DTI of XXX% against Lender's XXX%. | Excluding the $XXX installment debt with XXX as less than XXX payments remaining | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/27/2025 | C A |
| XXX | XXXXX | 304572077 | FCRE7497 | 02/27/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Final 1003 reflects monthly HOA payment of $XXX for other REO at XXX, however, loan file is missing supporting documentation to verify the payment. | Borrower is a Co-signer on XXX house and XXX makes the payments but we hit the borrower with this payment to be conservative | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/27/2025 | D A |
| XXX | XXXXX | 304462335 | finding-3352 | 02/11/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304462335 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304475081 | finding-3352 | 01/29/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304475081 | FCOM1233 | 01/29/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete - Employer name on Final 1003 being 'XXX' differs from employer name on income documents and VVOE - XXX. Loan file does not contain evidence of the relationship between both companies. | Attached. | Documentation provided is sufficient. Exception resolved.; The Final 1003 is Present | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | D A |
| XXX | XXXXX | 304485285 | finding-3352 | 02/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304485285 | FCRE8999 | 02/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304485277 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304485277 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304510776 | finding-3352 | 02/19/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304510776 | finding-2962 | 02/19/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304510776 | FCRE8999 | 02/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304492553 | finding-3352 | 03/01/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/01/2025 | A |
| XXX | XXXXX | 304492553 | FCRE8999 | 02/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304510993 | finding-3352 | 03/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304510993 | FCRE8999 | 03/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304511495 | FCOM8997 | 03/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304511495 | FCRE8999 | 03/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304416296 | FCOM8997 | 11/15/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304416296 | FCRE8999 | 11/15/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304496719 | FCOM8997 | 02/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496719 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496713 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496713 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496711 | FCOM8997 | 02/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304496711 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304496710 | FCOM8997 | 01/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304496710 | FCRE8999 | 01/29/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304496707 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496707 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496706 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | No Compliance Findings. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304496706 | FCRE8999 | 02/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/02/2025 | A |
| XXX | XXXXX | 304496703 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496703 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496702 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496702 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496701 | FCOM8997 | 02/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496701 | FCRE8999 | 02/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304496700 | FCOM8997 | 02/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496700 | FCRE8999 | 02/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/12/2025 | A |
| XXX | XXXXX | 304496698 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496698 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304496697 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496697 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304496696 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304496696 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304405434 | FCOM8997 | 10/30/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304405434 | FCRE5782 | 10/31/2024 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Gap Credit Report missing on file | Gap credit is dated XX/XX/XXXX which is within XXX business days of closing on XX/XX/XXXX | Document in file is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not missing. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/31/2024 | D A |
| XXX | XXXXX | 304380618 | finding-3352 | 11/15/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304380618 | FCRE8999 | 11/15/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304400683 | FCOM8997 | 10/22/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/22/2024 | A |
| XXX | XXXXX | 304400683 | FCRE1254 | 10/22/2024 | Credit | Title | Property Title Issue | Property Title Issue Title does not show 1st lien from XXX of XXX opened on XX/XX/XXXX in the amount of $XXX | 1st lien is notated on Schedule B-XXX of the attached title commitment, #XXX. It was recorded in XXX, Page XXX in XXX. Recorded mortgage also attached | Documents provided are sufficient. Exception resolved.; Property Title Issue Resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/22/2024 | C A |
| XXX | XXXXX | 304387002 | FCOM8997 | 02/03/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304387002 | FVAL3825 | 02/03/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. XXX- XXX and XXX declared on XX/XX/XXXX and continuing, no evidence of a post-disaster inspection completed to verify any damages if any. | PDI | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/03/2025 | C A |
| XXX | XXXXX | 304382778 | FCOM8997 | 09/24/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/24/2024 | A |
| XXX | XXXXX | 304382778 | FCRE8999 | 09/24/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/24/2024 | A |
| XXX | XXXXX | 304418736 | finding-2962 | 11/08/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Updated lock confirmation provided, loan is no longer HPML. Exception resolved; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/08/2024 | A |
| XXX | XXXXX | 304418736 | finding-3888 | 11/08/2024 | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | Missing documentation to verify latest rate lock date of XX/XX/XXXX per Mavent report dated XX/XX/XXXX. Rate lock date of XX/XX/XXXX utilized for testing. This loan failed the qualified mortgage APR threshold test. (XXX CFR §XXX(e) (XXX) (vi)) A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX) , and its APR calculated per the requirements of XXX CFR §XXX(e) (XXX) (vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX) , and its APR calculated per the requirements of XXX CFR §XXX(e) (XXX) (vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than ($XXX) but greater than or equal to ($XXX) , and its APR calculated per the requirements of XXX CFR §XXX(e) (XXX) (vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a second lien is greater than or equal to ($XXX) , and its APR calculated per the requirements of XXX CFR §XXX(e) (XXX) (vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX) , and its APR calculated per the requirements of XXX CFR §XXX(e) (XXX) (vi) is less than the APOR on the date the rate was set plus XXX%. | Rate Lock dated XXX | Updated lock confirmation provided. Exception resolved; Updated lock confirmation provided. Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/08/2024 | C A |
| XXX | XXXXX | 304418736 | finding-3352 | 11/08/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Updated lock confirmation provided, loan is no longer HPML. Exception resolved; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/08/2024 | A |
| XXX | XXXXX | 304418736 | FCRE5790 | 11/11/2024 | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Borrower 1 Gap Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). Guidelines require a gap credit report for all loans to be within XXX business days of the. The gap credit report was dated XX/XX/XXXX, but loan closed XX/XX/XXXX. | Credit Refresh dated XX/XX/XXXX | Document provided is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not expired. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/11/2024 | C A |
| XXX | XXXXX | 304401102 | FCOM8997 | 10/20/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/20/2024 | A |
| XXX | XXXXX | 304401102 | FCRE8999 | 10/21/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/21/2024 | A |
| XXX | XXXXX | 304492232 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492232 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304398610 | FCOM8997 | 11/08/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/08/2024 | A |
| XXX | XXXXX | 304398610 | FCRE8999 | 11/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/11/2024 | A |
| XXX | XXXXX | 304390799 | FCOM8997 | 11/15/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304390799 | FCRE5790 | 11/15/2024 | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Borrower 1 Gap Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). Gap credit report dated XX/XX/XXXX and the Note is dated XX/XX/XXXX, which is XXX business days and is required to be within XXX business days of the. |  | Received Client and Seller response requesting an exception for gap credit report > XXX days supported by the following compensating factors: XXX% CLTV, XXX FICO and XXX months reserves. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Acknowledged |  | No C B |
| XXX | XXXXX | 304393012 | FCOM8997 | 11/20/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/20/2024 | A |
| XXX | XXXXX | 304393012 | FCRE8999 | 11/20/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/20/2024 | A |
| XXX | XXXXX | 304393012 | FVAL9739 | 11/21/2024 | Credit | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Missing the Property Condition Inspection, which is required per guidelines when an AVM is utilized as the valuation product. | AVM in file also included PCI. Please see attached. | Exception resolved as we have received the missing PCI verifying no issues. ; Property/Appraisal Meets Guidelines | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/21/2024 | C A |
| XXX | XXXXX | 304397151 | FCOM8997 | 10/29/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/29/2024 | A |
| XXX | XXXXX | 304397151 | FCRE8999 | 10/30/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304397857 | FCOM8997 | 10/31/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/31/2024 | A |
| XXX | XXXXX | 304397857 | FCRE5791 | 10/30/2024 | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Borrower 2 Gap Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). | Gap credit is XXX business days from closing. This is sufficient | Explanation provided is sufficient. Gap Credit Report in file is within XXX business days of closing. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/30/2024 | C A |
| XXX | XXXXX | 304397857 | FCRE5790 | 10/30/2024 | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Borrower 1 Gap Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). | Gap credit is XXX business days from closing. This is sufficient | Explanation provided is sufficient. Gap Credit Report in file is within XXX business days of closing. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/30/2024 | C A |
| XXX | XXXXX | 304398863 | FCOM8997 | 11/01/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/01/2024 | A |
| XXX | XXXXX | 304398863 | FCRE8999 | 11/01/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/01/2024 | A |
| XXX | XXXXX | 304415817 | finding-3352 | 11/19/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/19/2024 | A |
| XXX | XXXXX | 304415817 | FCRE8999 | 11/19/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/19/2024 | A |
| XXX | XXXXX | 304415816 | FCOM8997 | 11/15/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304415816 | FCRE8999 | 11/15/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304415854 | FCOM8997 | 11/18/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/18/2024 | A |
| XXX | XXXXX | 304415854 | FCRE8999 | 11/15/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304418817 | FCOM8997 | 12/16/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304418817 | FCRE8999 | 12/17/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/17/2024 | A |
| XXX | XXXXX | 304422908 | FCOM8997 | 11/13/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/13/2024 | A |
| XXX | XXXXX | 304422908 | FCOM1232 | 11/13/2024 | Credit | Missing Doc | The Final 1003 is Missing | The Final 1003 is Missing | Final 1003 | Document provided is sufficient. Exception resolved.; The Final 1003 is Present | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/13/2024 | D A |
| XXX | XXXXX | 304470211 | FCOM8997 | 12/19/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304470211 | FCRE8999 | 12/18/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/18/2024 | A |
| XXX | XXXXX | 304420759 | FCOM8997 | 12/05/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304420759 | FCRE5782 | 12/04/2024 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Which is required to be within XXX business days of closing. | Gap credit | Document provided is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not missing. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/04/2024 | D A |
| XXX | XXXXX | 304418540 | finding-3352 | 11/04/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/04/2024 | A |
| XXX | XXXXX | 304418540 | finding-2962 | 11/04/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/04/2024 | A |
| XXX | XXXXX | 304418540 | FCRE8999 | 11/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304490225 | FCOM8997 | 01/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304490225 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304425616 | FCOM8997 | 11/15/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304425616 | FCRE8999 | 11/14/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2024 | A |
| XXX | XXXXX | 304425703 | FCOM8997 | 11/19/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/19/2024 | A |
| XXX | XXXXX | 304425703 | FCRE2109 | 11/19/2024 | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Missing Lender Income Calculation Worksheet under the Bank Statements program | Income Analysis | Document provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/19/2024 | D A |
| XXX | XXXXX | 304419025 | FCOM8997 | 11/27/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304419025 | FCRE5782 | 11/27/2024 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing | Gap credit | Received Client and Seller response requesting an exception for gap credit report > XXX days supported by the following compensating factors: XXX% CLTV, XXX FICO and low DTI ratio. Exception downgraded to a level 2/B.; Gap credit report provided is dated XX/XX/XXXX, and the is XX/XX/XXXX, which is more than XXX business days. Need a Gap credit report dated within XXX days of. Exception remains.; Borrower 1 Gap Credit Report is not missing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No D B |
| XXX | XXXXX | 304419025 | FCRE5790 | 12/05/2024 | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Borrower 1 Gap Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). | Gap credit | Received Client and Seller response requesting an exception for gap credit report > XXX days supported by the following compensating factors: XXX% CLTV, XXX FICO and low DTI ratio. Exception downgraded to a level 2/B.; Gap credit report is the same one. It is more than XXX business days before closing. We need a Gap credit report dated within XXX days of. Exception remains. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No C B |
| XXX | XXXXX | 304470210 | FCOM8997 | 12/19/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304470210 | FCRE7009 | 12/19/2024 | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of $XXX is less than required coverage required - Per Guideline XXX Hazard Insurance States the unpaid principal balance of all existing liens against the subject property should be used. Required coverage amount of $XXX, current cover is $XXX. | XXX page document with both policies. My apologies; Property consists of an SFR and an ADU. There are two policies attached, one covering the SFR and the other covering the ADU. Policy XXX-XXX-XXX has $XXX + XXX% extended replacement cost for a total of $XXX. Policy XXX-XXX-XXX has $XXX + $XXX extended replacement cost. This totals $XXX in coverage | Documentation provided is sufficient. Exception resolved.; Hazard Insurance coverage meets guideline requirement; I see one policy attached. Please identify the 2nd policy mentioned. Exception remains. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/19/2024 | C A |
| XXX | XXXXX | 304423676 | FCOM8997 | 12/11/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304423676 | FCRE5782 | 12/11/2024 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Gap report dated XXX days prior to closing date required. Most recent Credit Report is dated XX/XX/XXXX. | Attached gap credit was requested on XX/XX/XXXX. The original date of the credit report is XX/XX/XXXX. | Documentation provided is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not missing. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/11/2024 | D A |
| XXX | XXXXX | 304423676 | FCRE5783 | 12/11/2024 | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing Gap report dated XXX days prior to closing date required. Most recent Credit Report is dated XX/XX/XXXX. | Attached gap credit was requested on XX/XX/XXXX. The original date of the credit report is XX/XX/XXXX. | Documentation provided is sufficient. Exception resolved.; Borrower 2 Gap Credit Report is not missing. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/11/2024 | D A |
| XXX | XXXXX | 304426787 | FCOM8997 | 12/09/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304426787 | FCRE1491 | 12/09/2024 | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Borrower is missing the asset Statement to cover the cash to close the loan. | Asset Statements | Received Client and Seller response requesting an exception for asset Statements dated greater than XXX days supported by the following compensating factors: XXX FICO, XXX mortgage history, high residual income, and a good credit profile. Exception downgraded to a level 2/B.; Subject loan closed XX/XX/XXXX and all asset Statements provided are dated XX/XX/XXXX. Per XXX, all documentation must be dated within XXX days of closing date. Condition remains. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No C B |
| XXX | XXXXX | 304470209 | FCOM8997 | 12/18/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/18/2024 | A |
| XXX | XXXXX | 304470209 | FCRE8999 | 12/18/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/18/2024 | A |
| XXX | XXXXX | 304432865 | FCOM5135 | 12/26/2024 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing |  | Exception is non-material and graded as level 2/B. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No B |
| XXX | XXXXX | 304432865 | FCRE8999 | 12/23/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/23/2024 | A |
| XXX | XXXXX | 304470207 | FCOM8997 | 12/18/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/18/2024 | A |
| XXX | XXXXX | 304470207 | FCRE8999 | 12/18/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/18/2024 | A |
| XXX | XXXXX | 304470206 | FCOM8997 | 12/18/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/18/2024 | A |
| XXX | XXXXX | 304470206 | FCRE8999 | 12/18/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/18/2024 | A |
| XXX | XXXXX | 304470205 | FCOM8997 | 12/19/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/19/2024 | A |
| XXX | XXXXX | 304470205 | FCRE8999 | 12/18/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/18/2024 | A |
| XXX | XXXXX | 304437871 | FCOM8997 | 12/09/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304437871 | FCRE8999 | 12/06/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/06/2024 | A |
| XXX | XXXXX | 304592832 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304592832 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304440022 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304440022 | FVAL3825 | 02/04/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. - Disaster-XXX and XXX, declared on XX/XX/XXXX, but occurred on XX/XX/XXXX, which was after the Property Condition report XX/XX/XXXX. Therefore a post-disaster inspection required to verify if subject property incurred any damages. | PDI | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | C A |
| XXX | XXXXX | 304492225 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492225 | FCRE8999 | 01/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304492224 | FCOM8997 | 01/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304492224 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304492223 | finding-3352 | 01/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant and allowed per lender guidelines, therefore downgraded to grade A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492223 | FCRE6696 | 01/22/2025 | Credit | Income/Employment | Employment Self-Employed Less Than XXX Years at Origination | Borrowers' current business has been operating less than two years, which does not meet lender guidelines, as XXX years is required to be documented. However, the loan file contains a lender exception approving to proceeding with loan closing and identified the following compensating factors to justify this approval; XXX months reserves, XXX FICO, and with all credit 0x30 for XXX years. Exception downgraded to a level 2/B. |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes B |
| XXX | XXXXX | 304492223 | FVAL5524 | 01/22/2025 | Credit | Property | Ineligible Property | The subject property is rural, which is ineligible per guidelines. However, the loan file contains a lender exception approving acceptance of property even though it does not meet guidelines. The lender identified the following compensating factors to justify this approval; XXX months reserves, XXX FICO and all credit 0x30 for last XXX years. Exception downgraded to a level 2/B. |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes B |
| XXX | XXXXX | 304492221 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492221 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304492218 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492218 | FCRE1334 | 01/22/2025 | Credit | Missing Doc | Borrower 1 Executed XXX-T Missing | Borrower 1 Executed XXX-T Missing IRS Form XXX must be completed and signed by all borrowers. | Please re-review. This is docusigned. ; 4506T | Documentation provided is sufficient. Exception resolved.; Borrower 1 Executed XXX-T Provided; XXX not signed by Borrower. Exception remains. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/22/2025 | D A |
| XXX | XXXXX | 304492217 | FCOM8997 | 01/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304492217 | FCRE1334 | 01/22/2025 | Credit | Missing Doc | Borrower 1 Executed XXX-T Missing | Borrower 1 Executed XXX-T Missing IRS Form XXX-C must be completed and signed by all borrowers. | This is a business bank Statements loan. Tax transcripts are not necessary therefore a 4506T was not requested or signed | Explanation provided is sufficient. Exception resolved.; Borrower 1 Executed XXX-T Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/22/2025 | D A |
| XXX | XXXXX | 304492217 | FCOM1221 | 01/22/2025 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Need revised Deed of Trust showing the correct county as XXX. | Recorded Mortgage updating county to XXX | Documentation provided is sufficient. Exception resolved.; The Deed of Trust is Present and Complete | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/22/2025 | D A |
| XXX | XXXXX | 304613717 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304613717 | FCRE8999 | 02/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304492216 | FCOM8997 | 01/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304492216 | FCRE8999 | 01/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304492213 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492213 | FCRE1193 | 01/21/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The XXX #XXX at application had a monthly payment of $XXX. However, the loan file contains an update credit supplement dated XX/XX/XXXX, which reflects the monthly payment of the same account is now $XXX, causing the DTI to exceed XXX%. The lender continued to utilize the lower monthly payment and no evidence of a lender approved exception. | This payment increase was overlooked. As an option, the attached lease for $XXX per monthnth with a XXX% haircut ($XXX) can be considered as income to lower the DTI calculation. Please advise | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/21/2025 | C A |
| XXX | XXXXX | 304492212 | FCOM8997 | 01/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304492212 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304492211 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492211 | FCRE8999 | 01/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304492210 | FCOM8997 | 01/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304492210 | FCRE8999 | 01/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304489946 | FCOM8997 | 01/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304489946 | FCRE1200 | 01/24/2025 | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX However, the loan file contained a lender exception approving the loan amount of $XXX. The lender identified the following compensating factors to justify the approval; borrower has a FICO XXX versus required XXX, CLTV of XXX% is below XXX%, all credit liabilities #XXX $XXX, #XXX $XXX and #XXX $XXX are paid as agreed and borrower has XXX month satisfactory mortgage payment history. Exception downgraded to level 2/B. |  |  | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Acknowledged |  | Yes B |
| XXX | XXXXX | 304485201 | FCOM8997 | 01/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304485201 | FCRE8999 | 01/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/24/2025 | A |
| XXX | XXXXX | 304492209 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492209 | FCRE8999 | 01/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304490223 | FCOM8997 | 01/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304490223 | FCRE8999 | 01/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304492208 | finding-3352 | 01/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492208 | finding-2962 | 01/21/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492208 | FCRE8999 | 01/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304490240 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304490240 | FCRE8999 | 02/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/03/2025 | A |
| XXX | XXXXX | 304494078 | FCOM8997 | 02/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304494078 | FCRE8999 | 02/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304485200 | FCOM8997 | 01/29/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/29/2025 | A |
| XXX | XXXXX | 304485200 | FCRE1440 | 01/30/2025 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements - Credit reflects the borrower with a XXX on mortgage loan encumbering other REO XXX, which does not meet Guidelines requirement of No late payments within XXX months. However, the loan file contains lender approved exception allowing XXX and proceed to closing. The lender identified the following compensating factors to justify this approval; FICO is XXX, DTI is below XXX% and Residual income is over $XXX. Exception downgraded to a level 2/B. |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes B |
| XXX | XXXXX | 304483594 | FCOM8997 | 01/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304483594 | FCRE8999 | 01/31/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/31/2025 | A |
| XXX | XXXXX | 304493031 | FCOM8997 | 02/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304493031 | FCRE8999 | 02/06/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304490239 | FCOM8997 | 01/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/27/2025 | A |
| XXX | XXXXX | 304490239 | FCRE8999 | 01/28/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/28/2025 | A |
| XXX | XXXXX | 304490237 | FCOM8997 | 02/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304490237 | FCRE1195 | 02/14/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% According to the lender matrices dated XX/XX/XXXX, a XXX cash-out refinance and borrower with a Mid FICO of XXX qualifies for a max CLTV/HCLTV of XXX%, loan approved at XXX%. No evidence of a lender exception in file. |  | Audited CLTV of XXX% is less than or equal to Guideline CLTV of XXX%. Updated matrix provided which permits XXX% CLTV/HLTV. Condition cleared. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | C A |
| XXX | XXXXX | 304490237 | FCRE1196 | 02/14/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% According to the lender matrices dated XX/XX/XXXX, a XXX cash-out refinance and borrower with a Mid FICO of XXX qualifies for a max CLTV/HCLTV of XXX%, loan approved at XXX%. No evidence of a lender exception in file. |  | Audited HLTV of XXX% is less than or equal to Guideline HCLTV of XXX%. Updated matrix provided which permits XXX% CLTV/HLTV. Condition cleared. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | C A |
| XXX | XXXXX | 304490237 | FCRE5782 | 02/17/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing which is required to be within XXX business days prior to closing. | Undisclosed Debt Monitoring | Documentation provided is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not missing. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/17/2025 | D A |
| XXX | XXXXX | 304490237 | FCRE7497 | 02/17/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Supporting documentation to verify monthly property tax amount of $XXX required for borrower's XXX at XXX. | Borrowers have only owned the XXX of XXX for about a month. Attached is the tax bill with the previous owners name as a tax bill has yet to be issued with our borrower's name. Warranty Deed for further evidence the property was just recently purchased | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/17/2025 | D A |
| XXX | XXXXX | 304512120 | FCOM8997 | 03/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304512120 | FCRE5782 | 03/04/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Which is required to be obtained XXX business days prior to closing. | Credit report pulled on XX/XX/XXXX | Documentation provided is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not missing. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/04/2025 | D A |
| XXX | XXXXX | 304639668 | FCOM8997 | 03/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304639668 | FCRE8999 | 03/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304642452 | FCOM8997 | 03/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/13/2025 | A |
| XXX | XXXXX | 304642452 | FCRE8999 | 03/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/13/2025 | A |
| XXX | XXXXX | 304631377 | FCOM8997 | 03/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/12/2025 | A |
| XXX | XXXXX | 304631377 | FCRE8999 | 03/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/11/2025 | A |
| XXX | XXXXX | 304631376 | FCOM8997 | 03/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304631376 | FCRE8999 | 03/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304642384 | FCOM8997 | 02/27/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304642384 | FCRE1364 | 02/28/2025 | Credit | Missing Doc | Borrower 2 Executed XXX-T Missing | Borrower 2 Executed XXX-T Missing | This loan was qualified using bank Statements. Permission to pull transcripts not required | Explanation provided is sufficient. Exception resolved.; Borrower 2 Executed XXX-T Provided or Not Applicable (Number of Borrowers equals XXX) | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/28/2025 | D A |
| XXX | XXXXX | 304644166 | FCOM8997 | 03/07/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/07/2025 | A |
| XXX | XXXXX | 304644166 | FCRE1437 | 03/07/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing the XX/XX/XXXX personal bank Statement to calculate income accurately, as the borrower is the owner of XXX and was qualified under the XXX-months bank Statement program. The borrower started business utilizing a personal account for the business, and transitioned into a business account on or about XXX/XXX. The lender's income calculation worksheet in the loan file was includes the XX/XX/XXXX bank Statement. Income is subject to re-calculation upon receipt of the XX/XX/XXXX Statement. | XX/XX/XXXX Statement | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/07/2025 | C A |
| XXX | XXXXX | 304642451 | FCOM8997 | 02/28/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/28/2025 | A |
| XXX | XXXXX | 304642451 | FCRE8999 | 02/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304642396 | FCOM8997 | 02/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/25/2025 | A |
| XXX | XXXXX | 304642396 | FCRE8999 | 02/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/26/2025 | A |
| XXX | XXXXX | 304672335 | FCOM8997 | 03/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304672335 | FCRE8999 | 03/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/14/2025 | A |
| XXX | XXXXX | 304672333 | FCOM8997 | 03/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304672333 | FCRE8999 | 03/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/17/2025 | A |
| XXX | XXXXX | 304470093 | finding-3888 | 01/09/2025 | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (XXX CFR §XXX(e) (XXX) (vi)) A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX) , and its APR calculated per the requirements of XXX CFR §XXX(e) (XXX) (vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX) , and its APR calculated per the requirements of XXX CFR §XXX(e) (XXX) (vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than ($XXX) but greater than or equal to ($XXX) , and its APR calculated per the requirements of XXX CFR §XXX(e) (XXX) (vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a second lien is greater than or equal to ($XXX) , and its APR calculated per the requirements of XXX CFR §XXX(e) (XXX) (vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX) , and its APR calculated per the requirements of XXX CFR §XXX(e) (XXX) (vi) is less than the APOR on the date the rate was set plus XXX%. QM designation at time of origination unable to be determined. | Non QM Email; Please provide more clarification on the suspense and what is our curative options? | Loan was originated as non QM; Exception resolved; The loan is not considered a Qualified mortgage due to the disclosed APR was higher than the QM priced based limit threshold. If the lender and or investor was aware that this loan was considered non QM this can be resolved, however if the loan was closed and considered a Qualified mortgage, the only way to cure is to get the disclosed/calculated APR below the threshold of XXX%. The file did not contain any information as to the initial designation therefore it was assumed that it closed as a Qualified mortgage | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/09/2025 | C A |
| XXX | XXXXX | 304470093 | finding-3352 | 01/09/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304470093 | FCRE8999 | 01/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304241759 | FCOM8997 | 03/14/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/14/2024 | A |
| XXX | XXXXX | 304241759 | FCRE8999 | 03/17/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/17/2024 | A |
| XXX | XXXXX | 304310743 | FCOM8997 | 05/28/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/28/2024 | A |
| XXX | XXXXX | 304310743 | FCRE5790 | 05/25/2024 | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Borrower 1 Gap Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). | Gap credit pulled on XX/XX/XXXX which is less than XXX business days from closing | Borrower 1 Gap Credit Report is not expired.; Borrower 1 Gap Credit Report is not expired.; Gap credit report required to be within XXX business days of closing, which the document provided fits the parameters. Resolved.; Gap credit report required to be within XXX business days of closing, which the document provided fits the parameters. Resolved.; Document provided is sufficient | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/25/2024 | C A |
| XXX | XXXXX | 304310743 | FCRE5791 | 05/25/2024 | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Borrower 2 Gap Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). | Gap credit pulled XX/XX/XXXX which is less than XXX business days from closing | Borrower 2 Gap Credit Report is not expired.; Borrower 2 Gap Credit Report is not expired.; Gap credit report required to be within XXX business days of closing, which the document provided fits the parameters. Resolved.; Gap credit report required to be within XXX business days of closing, which the document provided fits the parameters. Resolved.; Document provided is sufficient | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/25/2024 | C A |
| XXX | XXXXX | 304310743 | FCRE1316 | 05/24/2024 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | VOE for B1 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Document provided is sufficient | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/24/2024 | D A |
| XXX | XXXXX | 304310743 | FCRE1364 | 05/24/2024 | Credit | Missing Doc | Borrower 2 Executed XXX-T Missing | Borrower 2 Executed XXX-T Missing | 4506T; 4506T | Document provided is sufficient; Borrower 2 Executed XXX-T Provided or Not Applicable (Number of Borrowers equals XXX) ; Document needed is the XXX. W-XXX was provided. Condition remains.; Document provided is sufficient | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/24/2024 | D A |
| XXX | XXXXX | 304310743 | FVAL9739 | 05/24/2024 | Credit | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Missing Property Condition Report required by XXX guidelines. | PCI | Property/Appraisal Meets Guidelines. Acceptable property condition report provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 05/24/2024 | C A |
| XXX | XXXXX | 304333564 | FCOM8997 | 06/05/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 06/05/2024 | A |
| XXX | XXXXX | 304333564 | FCRE8999 | 06/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 06/05/2024 | A |
| XXX | XXXXX | 304317630 | finding-3352 | 07/09/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/09/2024 | A |
| XXX | XXXXX | 304317630 | finding-2623 | 07/09/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/09/2024 | A |
| XXX | XXXXX | 304317630 | FCRE8999 | 07/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 07/09/2024 | A |
| XXX | XXXXX | 304334840 | FCOM8997 | 06/19/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/19/2024 | A |
| XXX | XXXXX | 304334840 | FCRE8999 | 06/19/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/19/2024 | A |
| XXX | XXXXX | 304333063 | finding-3352 | 08/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/06/2024 | A |
| XXX | XXXXX | 304333063 | finding-2623 | 08/06/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/06/2024 | A |
| XXX | XXXXX | 304333063 | FCRE5782 | 08/05/2024 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing | Received missing GAP report. Exception resolved. ; Gap Credit | Borrower 1 Gap Credit Report is not missing. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/05/2024 | D A |
| XXX | XXXXX | 304416493 | FCOM8997 | 10/12/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/12/2024 | A |
| XXX | XXXXX | 304416493 | FCRE1253 | 10/11/2024 | Credit | Eligibility | Missing Property Tax Cert | Missing Property Tax Cert Property tax cert for the subject property at XXX is required to accurately calculate the total housing debt. Lender to provide the tax cert for the property at XXX. | Tax Cert | Document provided is sufficient. Exception resolved.; Property Tax Cert Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/11/2024 | C A |
| XXX | XXXXX | 304416493 | FPRO9990 | 10/11/2024 | Credit | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Lender guidelines require a secondary valuations when FNMA and FHLMC SSRs could not provide a risk score and an not eligible for rep and warrant. A secondary valuation not located in loan file. | Section XXX of the guidelines covers the appraisal requirements for XXX. Please see Section XXX: \| \| For loan amounts ≤ $XXX, one of the following appraisal options is required: \| • AVM from an approved provider with an acceptable forecast standard deviation score (FSD) and confidence rating (see matrix for complete requirements) , All AVMs must include a property condition report or comparable report. \| Ÿ Exterior-Only Inspection Residential Appraisal Report (FNMA Form XXX or XXX) \| Ÿ Full Interior Appraisal (FNMA Form XXX, XXX, or XXX) \| Ÿ Note: AVMs are not allowed on condo or townhome transactions. \| If the AVM does not provide the required FSD score or confidence rating, the AVM is considered ineligible, and an Exterior-Only or Full Interior Appraisal is required. \| Higher-Price Mortgage Loans (HMPL) require a Full Interior Appraisal. \| For loan amounts > $XXX, a Full Interior Appraisal is required.; This is an second lien product. Second lien products with a loan amount <$XXXK require only an AVM. This loan is >$XXXK which requires a full interior appraisal. This is attached. | Document provided is sufficient. Exception resolved.; Document provided is a duplicate of the appraisal in file. XXX of the guidelines State a secondary appraisal product is required. Exception remains. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 10/11/2024 | C A |
| XXX | XXXXX | 304335780 | FCOM8997 | 06/27/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 06/27/2024 | A |
| XXX | XXXXX | 304335780 | FCRE8999 | 06/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 06/27/2024 | A |
| XXX | XXXXX | 304359529 | finding-3352 | 08/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/06/2024 | A |
| XXX | XXXXX | 304359529 | finding-2623 | 08/06/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/06/2024 | A |
| XXX | XXXXX | 304359529 | FCRE8999 | 08/06/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/06/2024 | A |
| XXX | XXXXX | 304357639 | finding-3352 | 08/06/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/06/2024 | A |
| XXX | XXXXX | 304357639 | finding-2623 | 08/06/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/06/2024 | A |
| XXX | XXXXX | 304357639 | FCOM1220 | 08/06/2024 | Credit | Closing | The Deed of Trust is Missing | The Deed of Trust is Missing | DOT and PUD Rider | The Deed of Trust is Present | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/06/2024 | D A |
| XXX | XXXXX | 304357639 | FCRE1437 | 08/06/2024 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XXX. Missing verification of employment for borrower's employment at XXX. Verification of Business existence is not within XXX days of Note required by guidelines for borrower business - XXX | VOE | Income and Employment Meet Guidelines | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/06/2024 | C A |
| XXX | XXXXX | 304357639 | FCOM1227 | 08/06/2024 | Credit | Missing Doc | PUD Rider is Missing | PUD Rider is Missing | DOT and PUD Rider | The PUD Rider is Present or is Not Applicable (Property Type is PUD) | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 08/06/2024 | D A |
| XXX | XXXXX | 304393773 | FCOM8997 | 10/28/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/28/2024 | A |
| XXX | XXXXX | 304393773 | FCOM3592 | 10/28/2024 | Credit | Missing Doc | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. Taxpayer First Act Disclosure is missing. | Tax returns were not obtained or utilized for this loan's qualification. Please advise why this disclosure is needed | Taxpayer First Act Disclosure is provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/28/2024 | B A |
| XXX | XXXXX | 304393773 | FCRE5782 | 10/29/2024 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing | Gap Credit | Document provided is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not missing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/29/2024 | D A |
| XXX | XXXXX | 304380641 | FCOM8997 | 09/13/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/13/2024 | A |
| XXX | XXXXX | 304380641 | FCOM1233 | 09/12/2024 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Subject property is a XXX per section XX/XX/XXXX of Final 1003 and Loan approval, however, Declaration question was answered 'No' for 'Will You occupy the property as your XXX' in section 5A. | Corrected XXX | Document provided is sufficient. Exception resolved.; The Final 1003 is Present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/12/2024 | D A |
| XXX | XXXXX | 304380532 | FCOM8997 | 09/21/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/21/2024 | A |
| XXX | XXXXX | 304380532 | FCRE8999 | 09/20/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/20/2024 | A |
| XXX | XXXXX | 304381626 | FCOM8997 | 10/31/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/31/2024 | A |
| XXX | XXXXX | 304381626 | FCRE7497 | 10/31/2024 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation to verify taxes and insurance payments for other REO at XXX. | Docs for condo at XXX | Received taxes and HOA dues for property in question, which increased the PITIA, but had no effect on the DTI. Exception Resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/31/2024 | D A |
| XXX | XXXXX | 304381626 | 123ABJ | 10/31/2024 | Credit | Missing Doc | Missing VVOE dated within XXX days consummation | VVOE in file dated XX/XX/XXXX exceeds XXX days of closing - XX/XX/XXXX, required by Guidelines. | Confirmation that borrower's LLC for self-employment exists | Document provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/31/2024 | D A |
| XXX | XXXXX | 304381900 | finding-3352 | 09/29/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/29/2024 | A |
| XXX | XXXXX | 304381900 | finding-2261 | 09/29/2024 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/29/2024 | A |
| XXX | XXXXX | 304381900 | FCRE5782 | 09/28/2024 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing | Gap credit | Document provided is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not missing. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/28/2024 | D A |
| XXX | XXXXX | 304382331 | finding-3352 | 09/19/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/19/2024 | A |
| XXX | XXXXX | 304382331 | FCRE8999 | 09/19/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/19/2024 | A |
| XXX | XXXXX | 304385610 | finding-3352 | 09/18/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/18/2024 | A |
| XXX | XXXXX | 304385610 | finding-2962 | 09/18/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/18/2024 | A |
| XXX | XXXXX | 304385610 | FCRE1316 | 09/18/2024 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | Proof of business existence, borrower is self-employed | Document provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/18/2024 | D A |
| XXX | XXXXX | 304385610 | FCRE1201 | 09/18/2024 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report | Document provided is sufficient. Exception resolved.; Third Party Fraud Report is provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/18/2024 | D A |
| XXX | XXXXX | 304391818 | FCOM8997 | 09/26/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 09/26/2024 | A |
| XXX | XXXXX | 304391818 | FCRE9780 | 09/27/2024 | Credit | Missing Doc | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Missing Business Purpose disclosure required by guidelines for XXX properties. | XXX; XXX | Document provided is sufficient. Exception resolved.; Business Purpose Affidavit/Disclosure Provided; Exception remains. Missing Business Purpose Affidavit/disclosure. A disclosure stating this is a NOO home is not the same thing. Need to verify if this transaction proceeds are strictly for business use or personal use. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 09/27/2024 | D A |
| XXX | XXXXX | 304391818 | FCRE1316 | 09/27/2024 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing Verification of the existence of the business within XXX business days of closing required by Guidelines. Lender provided CPA letter dated XX/XX/XXXX and loan closed on XX/XX/XXXX (XXX days to closing date). | VOE | Document provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 09/27/2024 | D A |
| XXX | XXXXX | 304391818 | FCRE7009 | 09/27/2024 | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of $XXX is less than required coverage required :$XXX (First lien XXX : $XXX + Second lien - $XXX) | HOI | Documents provided are sufficient. Exception resolved.; Hazard Insurance coverage meets guideline requirement | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 09/27/2024 | C A |
| XXX | XXXXX | 304391818 | FCRE1193 | 09/27/2024 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% - Lender did not include XXX home improvement monthly payment of $XXX from XXX to DTI. No evidence of payoff or reason for the exclusion in file. | Underwriting made some updates and lowered the DTI. Please refer to the documents provided. The credit refresh had a lower monthly debt, and the rental income has been adjusted to reflect the XXX's schedule E income received in XXX. If the seller updates the credit debts from the refresh and double checks their math on the rental income the DTI should be at XXX% ; XXX HELOC was included in the DTI calculation. Please see screenshots of the credit report figures and corresponding entry in the liabilities section of XXX | Documents provided are sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; While it looks like the $XXX 2nd payment was in the XXX snapshot, a review of the XXX reflects a primary PITI of $XXX, which did not include the $XXX 2nd, but the $XXX figure for all other monthly payments did not include the $XXX either. Also, the net rental loss for the subject property is more than the $XXX figure on the XXX. The XXX reflects a loss of -$XXX, but this figure looks to have added the $XXX in taxes and insurance twice. Exception remains. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 09/27/2024 | C A |
| XXX | XXXXX | 304385077 | FCOM1262 | 10/13/2024 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing There's no evidence of the ROR for borrower's in the loan file. | Right to Cancel | Right of Rescission is Provided | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/13/2024 | D A |
| XXX | XXXXX | 304385077 | FCRE1316 | 10/14/2024 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Which is required XXX business days prior per guidelines. | VOE | Document provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/14/2024 | D A |
| XXX | XXXXX | 304385077 | FCRE5790 | 10/14/2024 | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Borrower 1 Gap Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). The Most recent gap credit report is dated XX/XX/XXXX, XXX business days from the and is required to be XXX business days prior to the per guidelines. | Gap Credit; Gap Credit | Document provided is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not expired.; Gap credit report provided is dated XX/XX/XXXX, XXX days prior to. The requirement is within XXX business days prior to. Exception remains. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/14/2024 | C A |
| XXX | XXXXX | 304385283 | FCOM8997 | 09/26/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/26/2024 | A |
| XXX | XXXXX | 304385283 | FCRE5790 | 09/26/2024 | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Borrower 1 Gap Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). A gap credit report in file dated XX/XX/XXXX, but it exceeds the XXX business day requirement. Therefore, a more recent gap credit report required, that is within XXX business days from the. | Gap credit | Document provided is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not expired. | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/26/2024 | C A |
| XXX | XXXXX | 304387087 | FCOM1262 | 09/24/2024 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing | Right to Cancel | Right of Rescission is Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/24/2024 | D A |
| XXX | XXXXX | 304387087 | finding-3352 | 09/24/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/24/2024 | A |
| XXX | XXXXX | 304387087 | FCRE1201 | 09/24/2024 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Third Party Fraud Report is missing, however an OFAC Search is provided. | Loan Detail Report and Fraud Report listing transaction participants | Document provided is sufficient. Exception resolved.; Third Party Fraud Report is provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 09/24/2024 | D A |
| XXX | XXXXX | 304387264 | FCOM8997 | 10/28/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/28/2024 | A |
| XXX | XXXXX | 304387264 | FCRE8999 | 10/28/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 10/28/2024 | A |
| XXX | XXXXX | 304388032 | FCOM8997 | 01/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/17/2025 | A |
| XXX | XXXXX | 304388032 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304388216 | FCOM8997 | 10/19/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/19/2024 | A |
| XXX | XXXXX | 304388216 | FCRE8999 | 10/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/22/2024 | A |
| XXX | XXXXX | 304388454 | FCOM8997 | 10/09/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/09/2024 | A |
| XXX | XXXXX | 304388454 | FCRE8999 | 10/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/09/2024 | A |
| XXX | XXXXX | 304390399 | FCOM8997 | 10/10/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/10/2024 | A |
| XXX | XXXXX | 304390399 | FCRE1437 | 10/09/2024 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines File is missing the most recent business bank Statements for XXX to support monthly income $XXX with lender calculated worksheet. | Updated XXX and #XXX Bank Statements; Income Calc | Documents provided are sufficient. Exception resolved.; Income and Employment Meet Guidelines; Document provided is a worksheet reflecting an income of $XXX for bank Statements with account ending in XXX. These Statements are in the file. The XXX provided shows a total income of $XXX. Subtracting the income from account XXX leaves an amount of $XXX needing to be documented. The other worksheet in the file is for an account ending in XXX, and shows $XXX. No supporting bank Statements are in the file for this account, and would still be $XXX short of income. The bank Statements for account XXX are needed, in addition to the supporting documents for the remaining income Stated on the XXX. Exception remains. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/09/2024 | C A |
| XXX | XXXXX | 304420637 | FCOM8997 | 10/29/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/29/2024 | A |
| XXX | XXXXX | 304420637 | FCRE1148 | 10/30/2024 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Missing title commitment with coverage amount sufficient to cover the loan amount. Title coverage amount must be equal to the loan amount. Lender to provide updated title commitment with coverage amount of $XXX. | Title | Document provided is sufficient. Exception resolved.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2024 | D A |
| XXX | XXXXX | 304420637 | FCOM1233 | 10/31/2024 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Section XXX of Final 1003 is missing other REO owned by Borrowers at XXX | XXX | Document provided is sufficient. Exception resolved.; The Final 1003 is Present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/31/2024 | D A |
| XXX | XXXXX | 304420637 | 123ABJ | 10/31/2024 | Credit | Missing Doc | Missing VVOE dated within XXX days consummation | VVOE in file dated XX/XX/XXXX exceeds XXX days of closing - XX/XX/XXXX, required by Guidelines. | VOE | Document provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/31/2024 | D A |
| XXX | XXXXX | 304420637 | FCRE7497 | 10/30/2024 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing taxes, insurance and HOA dues for the property at XXX. | Docs for condo at XXX | Document provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2024 | D A |
| XXX | XXXXX | 304420419 | FCOM8997 | 10/30/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/30/2024 | A |
| XXX | XXXXX | 304420419 | FCRE7497 | 10/31/2024 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing taxes, insurance and HOA dues for the property at XXX. | Docs | Document provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/31/2024 | D A |
| XXX | XXXXX | 304420419 | 123ABJ | 10/31/2024 | Credit | Missing Doc | Missing VVOE dated within XXX days consummation | VVOE in file dated XX/XX/XXXX exceeds XXX days of closing - XX/XX/XXXX, required by Guidelines. | VOE | Document provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/31/2024 | D A |
| XXX | XXXXX | 304392215 | FCOM8997 | 11/06/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Comp Factor \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304392215 | FCRE1316 | 11/06/2024 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | VOE | Document provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Comp Factor \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/06/2024 | D A |
| XXX | XXXXX | 304397207 | FCOM8997 | 09/27/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/27/2024 | A |
| XXX | XXXXX | 304397207 | FCRE7497 | 09/29/2024 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Need the HELOC documentation for XXX; need the hazard information/policy for XXX.; need the PITIA documentation for XXX. | Documents attached: \| Note for XXX \| Settlement Statement for XXX \| Hazard policy for XXX \| Note for XXX \| Tax Report for XXX \| Hazard policy for XXX | Documents provided are sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 09/29/2024 | D A |
| XXX | XXXXX | 304400682 | FCOM8997 | 10/24/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/24/2024 | A |
| XXX | XXXXX | 304400682 | FCRE8999 | 10/24/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/24/2024 | A |
| XXX | XXXXX | 304396151 | finding-3352 | 10/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/03/2024 | A |
| XXX | XXXXX | 304396151 | FCRE8999 | 10/03/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/03/2024 | A |
| XXX | XXXXX | 304398079 | FCOM8997 | 11/05/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304398079 | FCRE8999 | 11/01/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/01/2024 | A |
| XXX | XXXXX | 304398123 | FCOM1262 | 10/18/2024 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing Missing a copy of Right of Rescission for Borrower 2 from the loan file. | Additional cure materials for RTC; Updated right to cancel | Cure package provided to borrower; exception downgraded to a 2/B; If the 2nd borrower was not provided the right to cancel at consummation, per guidance from outside counsel, we will be able to close the rescission period given the appropriate documents are provided: letter of explanation to the consumer, corrected Closing Disclosure, corrected NORTC forms, and tracking/delivery information (Signature can be proof of receipt with consent to receive the disclosure electronically). | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Cured |  | D B |
| XXX | XXXXX | 304398123 | FCRE8999 | 10/17/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/17/2024 | A |
| XXX | XXXXX | 304419167 | finding-3352 | 11/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304419167 | finding-2962 | 11/05/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code. While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304419167 | FCRE8999 | 11/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304421461 | FCOM8997 | 11/06/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/06/2024 | A |
| XXX | XXXXX | 304421461 | FCRE8999 | 11/07/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/07/2024 | A |
| XXX | XXXXX | 304398147 | finding-3352 | 10/23/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/23/2024 | A |
| XXX | XXXXX | 304398147 | FCRE8999 | 10/23/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/23/2024 | A |
| XXX | XXXXX | 304398243 | finding-3352 | 10/19/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/19/2024 | A |
| XXX | XXXXX | 304398243 | FCRE8999 | 10/21/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/21/2024 | A |
| XXX | XXXXX | 304398670 | FCOM8997 | 11/20/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/20/2024 | A |
| XXX | XXXXX | 304398670 | FCRE8999 | 11/22/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304418101 | FCOM8997 | 11/04/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/04/2024 | A |
| XXX | XXXXX | 304418101 | FCRE1316 | 11/01/2024 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing third party verbal verification of employment for Borrower 1 dated within XXX days of closing. | VOEs | Document provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/01/2024 | D A |
| XXX | XXXXX | 304418101 | FCRE1347 | 11/01/2024 | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Missing third party verbal verification of employment for Borrower 2 dated within XXX days of closing. | VOEs | Document provided is sufficient. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/01/2024 | D A |
| XXX | XXXXX | 304401023 | finding-3352 | 11/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304401023 | finding-2261 | 11/05/2024 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304401023 | FCRE8999 | 11/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/04/2024 | A |
| XXX | XXXXX | 304401316 | finding-3352 | 11/21/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/21/2024 | A |
| XXX | XXXXX | 304401316 | FCRE8999 | 11/21/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/21/2024 | A |
| XXX | XXXXX | 304405457 | finding-3352 | 11/26/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/26/2024 | A |
| XXX | XXXXX | 304405457 | finding-2261 | 11/26/2024 | Compliance | Points & Fees | XXX Spread Home Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the XXX rate spread home loan test. (XXX §XXX-11F(a) (XXX)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/26/2024 | A |
| XXX | XXXXX | 304405457 | FCRE5790 | 11/27/2024 | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Borrower 1 Gap Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). The gap credit report is dated XX/XX/XXXX, which is XXX business days from the XX/XX/XXXX. According to lender guidelines a gap credit report needs to be obtained XXX business days from the. | Gap Credit | Document provided is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not expired. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/27/2024 | C A |
| XXX | XXXXX | 304405569 | finding-3352 | 11/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304405569 | FCRE8999 | 11/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/05/2024 | A |
| XXX | XXXXX | 304415815 | FCOM1262 | 11/15/2024 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing | Right to Cancel | Right of Rescission is Provided; The signed Right of Rescission was provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/15/2024 | D A |
| XXX | XXXXX | 304415815 | FCRE8999 | 11/18/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/18/2024 | A |
| XXX | XXXXX | 304416267 | finding-3352 | 10/19/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/19/2024 | A |
| XXX | XXXXX | 304416267 | FCRE5782 | 10/22/2024 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing | Gap Credit | Document provided is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not missing. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/22/2024 | D A |
| XXX | XXXXX | 304416289 | FCOM1604 | 11/14/2024 | Compliance | QM-ATR | Regulation § XXX(c) (XXX) (vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | Regulation § XXX(c) (XXX) (vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. - Missing supporting documentation to verify child support payments reflected on the borrower's business bank Statements in the loan file for $XXX per month. | LOX regarding child support; Please advise which Statement you see the child support payment | The consumer's current debt obligations, alimony, and child support or other debt obligations were confirmed.; Documentation provided is sufficient. Exception resolved.; Need the documentation of the PITIA for the REO properties.; Documentation provided is sufficient for the child support. Exception resolved.; Exception remains. An example of the support payments would be page XXX, Statement date XX/XX/XXXX date is XX/XX/XXXX on XXX. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/14/2024 | C A |
| XXX | XXXXX | 304416289 | FCRE1437 | 11/14/2024 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines - Missing supporting documentations to verify monthly payments of all other REOs listed on Final 1003. | REO | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/14/2024 | C A |
| XXX | XXXXX | 304416289 | FCRE5782 | 11/18/2024 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing | Gap Credit | Document provided is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not missing. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/18/2024 | D A |
| XXX | XXXXX | 304416289 | FCRE5783 | 11/18/2024 | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing | Gap credit | Document provided is sufficient. Exception resolved.; Borrower 2 Gap Credit Report is not missing. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/18/2024 | D A |
| XXX | XXXXX | 304416289 | FCRE7496 | 11/18/2024 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing updated documentation to verify monthly payment for Borrower's XXX at XXX, (XXX) , XXX. The mortgage Statement in file is dated XX/XX/XXXX while loan closed in XX/XX/XXXX. Lender used PI amount of $XXX XX/XX/XXXX which differs from the PI amount of $XXX on the mortgage Statement provided. | REO docs | Documentation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/18/2024 | D A |
| XXX | XXXXX | 304422570 | FCOM8997 | 11/01/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/01/2024 | A |
| XXX | XXXXX | 304422570 | FCRE8999 | 10/31/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/31/2024 | A |
| XXX | XXXXX | 304492206 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492206 | FCRE8999 | 01/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304418082 | FCOM8997 | 11/20/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/20/2024 | A |
| XXX | XXXXX | 304418082 | FCRE8999 | 11/20/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/20/2024 | A |
| XXX | XXXXX | 304418081 | FCOM8997 | 11/20/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/20/2024 | A |
| XXX | XXXXX | 304418081 | FCRE7497 | 11/20/2024 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing the mortgage Statements or Final CD for the second mortgages for the properties located at XXX, XXX-XXX, XXX, and XXX-XXX | Final CDs for the Stated properties | Documents provided are sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/20/2024 | D A |
| XXX | XXXXX | 304418100 | finding-3352 | 10/28/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Full appraisal is missing from file. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Appraisal was attached. Here it is again; Full Appraisal | HPML compliant; exception resolved; Document not attached | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/28/2024 | C A |
| XXX | XXXXX | 304418100 | FCRE8999 | 10/29/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 10/29/2024 | A |
| XXX | XXXXX | 304418746 | finding-3352 | 10/24/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/24/2024 | A |
| XXX | XXXXX | 304418746 | FCRE1148 | 10/24/2024 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX - Either an updated Title Commitment, Title Supplement or Final Title Policy required reflect correct coverage amount. | Title with updated coverage of $XXXK | Document provided is sufficient. Exception resolved.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 10/24/2024 | D A |
| XXX | XXXXX | 304420156 | FCOM8997 | 11/21/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/21/2024 | A |
| XXX | XXXXX | 304420156 | FCRE1253 | 11/21/2024 | Credit | Eligibility | Missing Property Tax Cert | Missing Property Tax Cert - For subject property. | Tax Cert | Document provided is sufficient. Exception resolved.; Property Tax Cert Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/21/2024 | C A |
| XXX | XXXXX | 304420156 | FCRE1200 | 11/21/2024 | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX Audited Loan Amount of $XXX is less than Guideline Minimum Loan Amount of $XXX. Lender Approved an Exception not found on file. |  | Received Client and Seller response requesting an exception for loan amount of $XXX supported by the following compensating factors: XXX FICO, XXX% LTV, $6K monthly income. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No C B |
| XXX | XXXXX | 304419317 | FCOM1262 | 01/02/2025 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing Missing Right of Rescission | Right to Cancel | Right of Rescission is Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/02/2025 | D A |
| XXX | XXXXX | 304419317 | FCOM3531 | 01/03/2025 | Compliance | TRID | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (XX/XX/XXXX.XXX(c) (XXX)) | Evidence of Appraisal Delivery to the Borrower Not Provided. | Appraisal delivery | Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower Provided.; Evidence of Appraisal Delivery to the Borrower Provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/03/2025 | C A |
| XXX | XXXXX | 304419317 | finding-3352 | 01/02/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Missing evidence of appraisal delivery to Borrower at least three business days prior to consummation. | Appraisal delivery | Appraisal delivery was provided, HPML is compliant; Exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/02/2025 | C A |
| XXX | XXXXX | 304419317 | FCRE1316 | 01/02/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a verbal verification of employment completed within XXX business days of closing. The file only contained a written VOE that was over XXX months old as of closing date. | VVOE | Borrower 1 3rd Party VOE Prior to Close Was Provided. Exception Resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/02/2025 | D A |
| XXX | XXXXX | 304419317 | FCRE1437 | 01/02/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Guidelines require a verbal verification of employment completed within XXX business days of closing. The file only contained a written VOE that was over XXX months old as of closing date. | VVOE | Income and Employment Meet Guidelines. The VVOE provided, which was dated the same date as closing. Exception Resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/02/2025 | C A |
| XXX | XXXXX | 304419317 | FCRE7810 | 01/02/2025 | Credit | Title | Title issue | The file contains a letter of explanation from the borrower stating he is in the process of a XXX and he will be buying out his XXX ownership of the home. There is a Settlement Offer from the borrower's attorney to his XXX stating the borrower will keep the home and will refinance to remove her name from the property. This Settlement Offer was dated approximately XXX weeks prior to closing. The title commitment report, also dated nearly XXX weeks prior to subject loan closing, reflects the borrower and his XXX as XXX and both vested on the property. The Deed of Trust at closing reflects the borrower as XXX. There is no official XXX decree in file that confirms the XXX was finalized and the borrower's XXX did not execute any of the legal documents. | Quit Claim Deed | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/02/2025 | C A |
| XXX | XXXXX | 304492204 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492204 | FVAL3825 | 01/22/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Disaster - XXX and XXX, declared on XX/XX/XXXX was after the Appraisal inspection on XX/XX/XXXX and no evidence of a post-disaster inspection completed to verify damages if any. | PDI | Property Inspection Provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/22/2025 | C A |
| XXX | XXXXX | 304398081 | FCOM8997 | 11/11/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/11/2024 | A |
| XXX | XXXXX | 304398081 | FCOM1232 | 11/08/2024 | Credit | Missing Doc | The Final 1003 is Missing | The Final 1003 is Missing | Final 1003 | Document provided is sufficient. Exception resolved.; The Final 1003 is Present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/08/2024 | D A |
| XXX | XXXXX | 304420757 | finding-3352 | 12/03/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304420757 | FCRE1148 | 12/04/2024 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX The title commitment found in the file is less than the required coverage amount which is at least the loan amount of $XXX. An updated title policy reflect sufficient coverage required. | Title | Document provided is sufficient. Exception resolved.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/04/2024 | D A |
| XXX | XXXXX | 304426703 | finding-3352 | 12/26/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304426703 | FCRE8999 | 12/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304422636 | FCOM8997 | 11/19/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/19/2024 | A |
| XXX | XXXXX | 304422636 | FCRE8999 | 11/19/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/19/2024 | A |
| XXX | XXXXX | 304592831 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304592831 | FCRE1201 | 02/04/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report | Fraud Report; Fraud report | Documentation provided is sufficient. Exception resolved.; Third Party Fraud Report is provided | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304432620 | FCOM8997 | 11/27/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304432620 | FCRE7497 | 11/27/2024 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing supporting documentation to verify monthly payment of $XXX for other REO at XXX, as reflected on the Final 1003. | REO docs | Documents provided are sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/27/2024 | D A |
| XXX | XXXXX | 304425060 | finding-3352 | 11/22/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  | HPML Compliant; HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304425060 | FCRE7497 | 11/25/2024 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA Statement for properties XXX, XXX. and XXX | HOA docs | Document provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2024 | D A |
| XXX | XXXXX | 304425135 | FCOM8997 | 12/05/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304425135 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304425694 | FCOM8997 | 12/03/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304425694 | FCOM1233 | 11/27/2024 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete The citizenship section was left blank for both borrowers and the Declarations in section XXX were not completed for each borrower. | Final 1003 | Document provided is sufficient. Exception resolved.; The Final 1003 is Present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/27/2024 | D A |
| XXX | XXXXX | 304425738 | FCOM8997 | 12/02/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2024 | A |
| XXX | XXXXX | 304425738 | FVAL9739 | 12/02/2024 | Credit | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Missing Property Condition Inspection report. | PCI | Document provided is sufficient. Exception resolved.; Property/Appraisal Meets Guidelines | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2024 | C A |
| XXX | XXXXX | 304425904 | FCOM8997 | 11/22/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/22/2024 | A |
| XXX | XXXXX | 304425904 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304426429 | FCOM8997 | 11/21/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/21/2024 | A |
| XXX | XXXXX | 304426429 | FCRE8999 | 11/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/25/2024 | A |
| XXX | XXXXX | 304426205 | FCOM8997 | 12/09/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304426205 | FCRE8999 | 12/09/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 12/09/2024 | A |
| XXX | XXXXX | 304426413 | finding-3352 | 11/27/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/27/2024 | A |
| XXX | XXXXX | 304426413 | FCRE1347 | 11/27/2024 | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing - Missing VVOE from coborrower's employment at XXX and verification of business existence done via CPA Letter for the two businesses - XXX and XXX exceed XXX days allowed by Guidelines (CPA letter is dated XX/XX/XXXX and closing date is XX/XX/XXXX) | VOE | Document provided is sufficient. Exception resolved.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals XXX) | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 11/27/2024 | D A |
| XXX | XXXXX | 304426452 | FCOM8997 | 11/21/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/21/2024 | A |
| XXX | XXXXX | 304426452 | FCRE8999 | 11/19/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/19/2024 | A |
| XXX | XXXXX | 304492203 | finding-3352 | 01/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guideline's; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304492203 | FCRE8999 | 01/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492202 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492202 | FCRE8999 | 01/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304428832 | FCOM8997 | 12/03/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2024 | A |
| XXX | XXXXX | 304428832 | FCRE8999 | 12/04/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/04/2024 | A |
| XXX | XXXXX | 304492201 | finding-3352 | 01/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492201 | FCRE8999 | 01/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304492200 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492200 | FCRE1148 | 01/22/2025 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX | Title with proper coverage | Documentation provided is sufficient. Exception resolved.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/22/2025 | B A |
| XXX | XXXXX | 304492200 | 123ABJ | 01/22/2025 | Credit | Missing Doc | Missing VVOE dated within XXX days consummation | Missing VVOE within XXX business days of. The guidelines section XXX State that for self-employed borrowers, the existence of the business must be independently verified through a disinterested third party within XXX business days of closing. However, the CPA letter in the loan file is dated XX/XX/XXXX and the Business License for the company is dated XX/XX/XXXX (over XXX business days prior to the note) , and the Personnel License List is undated. | VVOE | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/22/2025 | D A |
| XXX | XXXXX | 304492199 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492199 | FCRE8999 | 01/20/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304436532 | FCOM8997 | 12/05/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304436532 | FCRE8999 | 12/05/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304492198 | FCOM8997 | 01/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304492198 | FCRE8999 | 01/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304492196 | FCOM8997 | 01/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304492196 | FVAL9739 | 01/21/2025 | Credit | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: The loan was approved with an AVM report. However, missing the required Property Condition Report. | Property Condition Inspection | Documentation provided is sufficient. Exception resolved.; Property/Appraisal Meets Guidelines | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/21/2025 | C A |
| XXX | XXXXX | 304436286 | FCOM8997 | 12/11/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304436286 | FCRE8999 | 12/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304492193 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492193 | FVAL3825 | 01/22/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. XXX / XXX and XXX / Incident Period: XX/XX/XXXX - Present / Declaration Date: XX/XX/XXXX. No evidence of the completion of a post-disaster inspection to verify damages, if any. | PDI | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | C A |
| XXX | XXXXX | 304492191 | finding-3352 | 01/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304492191 | FCRE8999 | 01/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304437446 | finding-3352 | 01/02/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/02/2025 | A |
| XXX | XXXXX | 304437446 | FCRE5790 | 01/02/2025 | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | Borrower 1 Gap Credit Report is Expired (Greater than XXX days from Closing/Settlement Date). Most recent credit report is dated is XX/XX/XXXX. | Undisclosed Debt Monitoring | Documentation provided is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not expired. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/02/2025 | C A |
| XXX | XXXXX | 304492188 | FCOM8997 | 01/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304492188 | FCRE1316 | 01/22/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing - The loan file does not contain a VVOE XXX days prior to close. | VVOE; Borrower 1 VVOE; VVOE | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided; Same request. The VOE provided is for the previous employer. We need the current VOE for the current employment, which is listed as XXX. Exception remains.; The VOE provided is for the previous employer, and shows inactive. We need the VOE for XXX dated within XXX business days of the d XX/XX/XXXX. Exception remains. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | D A |
| XXX | XXXXX | 304492188 | FCRE1159 | 01/22/2025 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. The loan file does not contain the current policy. The loan closed on XX/XX/XXXX and the new policy staRts on XX/XX/XXXX. | Dec. page showing the old policy effective from XX/XX/XXXX to XX/XX/XXXX. The new policy, which is in the file already, takes effect after this | Documentation provided is sufficient. Exception resolved.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | C A |
| XXX | XXXXX | 304492187 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492187 | FCRE1316 | 01/21/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Verification of business existence documentation in file, dated XX/XX/XXXX exceeds XXX business days from of XX/XX/XXXX. Per Guidelines, For self-employed borrowers, the existence of the business must be independently verified through a disinterested third party within XXX business days of closing. | Existence of business verified on XX/XX/XXXX | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/21/2025 | D A |
| XXX | XXXXX | 304492187 | FVAL9739 | 01/22/2025 | Credit | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Property is not eligible for XXX program. Guidelines maximum acreage is XXX and subject is XXX acres. Market is suburban over XXX% built up and zoned residential single family. However the loan file contains a lender exception approving loan to proceed to closing even though it does not meet property requirements. The lender identified the following compensating factors to justify the approval; credit score XXX, DTI less than XXX% and CLTV is less than XXX%. Exception downgraded to a level 2/B. |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Acknowledged |  | Yes B |
| XXX | XXXXX | 304492186 | FCOM8997 | 01/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304492186 | FCRE8999 | 01/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492185 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492185 | FCRE8999 | 01/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304492184 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492184 | FCRE8999 | 01/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492182 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492182 | FCRE8999 | 01/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492181 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492181 | FCOM1220 | 01/21/2025 | Credit | Closing | The Deed of Trust is Missing | The Deed of Trust is Missing The required Deed, referenced in the Subject Note, dated XXX, is missing from the loan file. | Deed of Trust | Documentation provided is sufficient. Exception resolved.; The Deed of Trust is Present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/21/2025 | D A |
| XXX | XXXXX | 304492181 | FCRE1193 | 01/21/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender calculated XXX month eligible deposits at $XXX, but divided by XXX months, calculating income at $XXX. Actual XXX month calculated income using eligible deposits of $XXX is $XXX. | XXX, XXX, and approval; File was reviewed and some overlooked items were identified. Two ACH deposits included from real eState company (XXX) and an XXX payment was excluded as it is paid by the business. DTI should now be XXX%. Revised income calculation is attached | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Lender Worksheet is acceptable. Please provide an updated XXX, XXX and Approval with updated information. Exception remains. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/21/2025 | C A |
| XXX | XXXXX | 304492178 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492178 | FCRE7569 | 01/21/2025 | Credit | Debt | Mortgage history for XXX less than XXX months | Missing evidence that XX/XX/XXXX mortgage payment for the XXX, XXX #XXX was paid on time. |  | Received Client and Seller response requesting an exception for missing update to mortgage reporting supported by the following compensating factors: XXX FICO, XXX% LTV, XXX% DTI. Exception downgraded to a level 2/B. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 304492177 | finding-3352 | 01/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492177 | FCRE1148 | 01/22/2025 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Insurance Coverage Insufficient-Title insurance policy for the subject property XXX has a coverage amount of $XXX which is less than the total loan amount of $XXX.There is no title supplement on file or lender's exception to this effect. Title Section B ,part XXX number11 States that a new Mortgage of $XXX is required. | Title with sufficient coverage | Documentation provided is sufficient. Exception resolved.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | B A |
| XXX | XXXXX | 304492176 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492176 | FCRE8999 | 01/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492175 | FCOM8997 | 01/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492175 | FVAL9739 | 01/22/2025 | Credit | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Missing Property Condition Report, which is required on all loans utilizing an AVM for value. | XXX property inspection | Documentation provided is sufficient. Exception resolved.; Property/Appraisal Meets Guidelines | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/22/2025 | C A |
| XXX | XXXXX | 304490236 | FCOM8997 | 02/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304490236 | FCRE1316 | 02/18/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing - Missing verification of business existence within XXX days of closing required by Guidelines. Verification document in file is dated XX/XX/XXXX and closing date is XX/XX/XXXX. | VVOE | Borrower 1 3rd Party VOE Prior to Close Was Provided. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/18/2025 | D A |
| XXX | XXXXX | 304490236 | FCOM1227 | 02/18/2025 | Credit | Missing Doc | PUD Rider is Missing | PUD Rider is Missing | Language regarding PUDs is covered in Section XXX of the Mortgage. No rider needed | Explanation provided is sufficient. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/18/2025 | D A |
| XXX | XXXXX | 304490236 | FCRE8611 | 02/18/2025 | Credit | Income/Employment | Income/Employment General | The borrower's qualifying income was calculated utilizing XXX-months personal bank Statements. After review of the bank Statements, the borrower and his XXX both own the bank Statement account with borrower's ownership being XXX% and XXX% according to self-employed narrative form. The loan was approved without the XXX on the loan which does not meet Guidelines requirement which States 'All parties listed on each bank account must be included as borrowers on the loan' for personal bank Statement loans. However, the loan file contains a lender approved exception allowing the loan approved without the XXX. The lender identified the following compensating factors to justify the lender approved exception and utilization of the bank Statement income; XXX% CLTV (max XXX%) , $XXX residual income (min $XXX) and >$XXXk reserves. Exception downgraded to a level 2/B. |  |  | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Acknowledged |  | Yes B |
| XXX | XXXXX | 304492174 | finding-3352 | 01/21/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/21/2025 | A |
| XXX | XXXXX | 304492174 | FCRE8999 | 01/22/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304492171 | FCOM8997 | 01/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/23/2025 | A |
| XXX | XXXXX | 304492171 | FCOM1233 | 01/22/2025 | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete - Borrower did not answer citizenship question on Final 1003 | Final 1003 | Documentation provided is sufficient. Exception resolved.; The Final 1003 is Present | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | D A |
| XXX | XXXXX | 304492170 | FCOM8997 | 01/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304492170 | FCRE1148 | 01/22/2025 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX |  | Exception is non-material and graded as level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Acknowledged |  | No B |
| XXX | XXXXX | 304492168 | FCOM8997 | 01/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304492168 | FCRE1200 | 01/22/2025 | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX |  | Received Client and Seller response requesting an exception for loan amount less than $XXX supported by the following compensating factors: XXX% LTV, XXX% DTI, XXX FICO, and guidelines recently updated to accept a minimum loan amount of $50K. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Acknowledged |  | No C B |
| XXX | XXXXX | 304470197 | finding-3352 | 12/18/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/18/2024 | A |
| XXX | XXXXX | 304470197 | FCRE1200 | 12/18/2024 | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX |  | Received Client and Seller response requesting an exception for loan amount supported by the following compensating factors: Low DTI ratio and XXX + years on job. Exception downgraded to a level 2/B. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 304470197 | FCRE7496 | 12/18/2024 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | MISSING MORTGAGE Statement with payment breakdown for 1st lien mortgage. | Mortgage Statement | Document provided is sufficient. Exception resolved.; Document provided is sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/18/2024 | D A |
| XXX | XXXXX | 304492165 | FCOM8997 | 01/20/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2025 | A |
| XXX | XXXXX | 304492165 | FCRE1200 | 01/21/2025 | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX No evidence of a lender exception in the loan file. |  | Received Client and Seller response requesting an exception for loan amount less than $XXX supported by the following compensating factors: XXX FICO, XXX% LTV, XXX% DTI, and guidelines recently updated to accept minimum loan amounts down to $50K. Exception downgraded to a level 2/B. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 304492165 | FVAL5524 | 01/21/2025 | Credit | Property | Ineligible Property | Per the Exterior-Only Appraisal, subject property is rural, which is considered ineligible per lender guidelines. |  | Received Client and Seller response requesting an exception for rural property supported by the following compensating factors: XXX FICO, XXX% LTV, XXX% DTI. Exception downgraded to a level 2/B. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 304492163 | FCOM8997 | 01/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/22/2025 | A |
| XXX | XXXXX | 304492163 | FCRE1200 | 01/22/2025 | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX |  | Received Client and Seller response requesting an exception for loan amount less than $XXX supported by the following compensating factors: XXX% LTV, XXX% DTI, XXX FICO, and guidelines were recently updated for a loan amount minimum of $50K. Exception downgraded to a level 2/B. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Acknowledged |  | No C B |
| XXX | XXXXX | 304483079 | FCOM1262 | 01/27/2025 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing | Right to Cancel | Right of Rescission is Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/27/2025 | D A |
| XXX | XXXXX | 304483079 | FCRE5782 | 01/27/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing which is required to be within XXX business day of the. | Undisclosed Debt Monitoring | Documentation provided is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not missing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/27/2025 | D A |
| XXX | XXXXX | 304483079 | FCRE5783 | 01/27/2025 | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Borrower 2 Gap Credit Report is Missing which is required to be within XXX business day of the. |  | Borrower 2 Gap Credit Report is not missing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/27/2025 | D A |
| XXX | XXXXX | 304485197 | FCOM8997 | 02/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/10/2025 | A |
| XXX | XXXXX | 304485197 | FCRE5790 | 02/09/2025 | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than XXX Days from Closing/Settlement Date) | The Gap Credit Report pull date: (XX/XX/XXXX) on the Credit Scores card, as found on the Credit Liabilities page must be inside XXX-days of consummation date: (XX/XX/XXXX) on the Note Info card as found on the Note page. Please make appropriate corrections. Gap Undisclosed Debt Monitoring Alert Report is valid XXX Business days previous the | Undisclosed Debt Monitoring | Documentation provided is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not expired. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/09/2025 | C A |
| XXX | XXXXX | 304485197 | FCRE6589 | 02/09/2025 | Credit | Borrower | Fraud: Potential /Current Address Issues identified in the file | Lender to provide processor certification or other address showing under business address ; XXX, per credit report seems that they are XXX mortgages under borrowers name. | address verification showing XXX is an office building not our borrowers. | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/09/2025 | C A |
| XXX | XXXXX | 304483592 | FCOM8997 | 02/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304483592 | FCRE1200 | 02/04/2025 | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX |  | Received Client and Seller response requesting an exception for loan amount less than $XXX supported by the following compensating factors: XXX% DTI, XXX% CLTV, XXX FICO and recent update to guidelines to permit loan amount to $XXX. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Acknowledged |  | No C B |
| XXX | XXXXX | 304483591 | FCOM8997 | 01/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304483591 | FCRE8999 | 01/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304485194 | FCOM8997 | 01/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304485194 | FCRE8999 | 01/14/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2025 | A |
| XXX | XXXXX | 304489941 | finding-3352 | 01/15/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304489941 | FCRE1200 | 01/15/2025 | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX | Purchase rationale for buying loan below guideline minimum per XXX request | Received Client and Seller response requesting an exception for loan amount less than $XXX supported by the following compensating factors: XXX FICO, XXX% CLTV, XXX% DTI. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Acknowledged |  | No C B |
| XXX | XXXXX | 304485193 | finding-3352 | 01/10/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304485193 | FCRE1200 | 01/10/2025 | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX |  | Received Client and Seller response requesting an exception for loan amount < $XXX supported by the following compensating factors: XXX FICO, XXX% CLTV, XXX% DTI. Exception downgraded to a level 2/B. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Acknowledged |  | No C B |
| XXX | XXXXX | 304485192 | FCOM8997 | 01/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/10/2025 | A |
| XXX | XXXXX | 304485192 | FVAL3825 | 01/10/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Subject property located in XXX, FEMA XXX, Declared on XX/XX/XXXX. FEMA is providing individual assistances. A post disaster inspection required because this incident is ongoing. | Post-Disaster Inspection report | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/10/2025 | C A |
| XXX | XXXXX | 304489940 | finding-3352 | 01/15/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/15/2025 | A |
| XXX | XXXXX | 304489940 | FCRE1200 | 01/15/2025 | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX | Purchase rationale as requested by XXX for buying this loan with an amount under our guideline limit | Received Client and Seller response requesting an exception for loan amount less than $XXX supported by the following compensating factors: XXX FICO, XXX% CLTV, XXX% DTI. Exception downgraded to a level 2/B. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 304489939 | FCOM8997 | 01/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/16/2025 | A |
| XXX | XXXXX | 304489939 | FCRE7496 | 01/16/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | MISSING MORTGAGE Statement for 1st lien. | MOrtgage Statement | Documentation provided is sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/16/2025 | D A |
| XXX | XXXXX | 304489939 | FCRE1200 | 01/16/2025 | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX |  | Received Client and Seller response requesting an exception for loan amount less than $XXX supported by the following compensating factors: XXX FICO, XXX% CLTV, XXX% DTI. Exception downgraded to a level 2/B. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Acknowledged |  | No C B |
| XXX | XXXXX | 304485190 | FCOM8997 | 01/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | A |
| XXX | XXXXX | 304485190 | FCRE1159 | 01/13/2025 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Homeowners policy attached. First page shows effective dates of XX/XX/XXXX - XX/XX/XXXX, page XXX shows effective dates of XX/XX/XXXX - XX/XX/XXXX | Documentation provided is sufficient. Exception resolved.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 01/13/2025 | C A |
| XXX | XXXXX | 304489938 | FCOM8997 | 01/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/16/2025 | A |
| XXX | XXXXX | 304489938 | FCRE8999 | 01/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/16/2025 | A |
| XXX | XXXXX | 304483590 | FCOM8997 | 01/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304483590 | FCRE8999 | 01/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304489937 | FCOM8997 | 01/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/16/2025 | A |
| XXX | XXXXX | 304489937 | FCRE1193 | 01/17/2025 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The Final 1003 loan application and credit report reflect a mortgage loan encumbering property XXX with a monthly payment of $XXX and a auto lease with monthly payment of $XXX excluded from the total DTI. The loan file is missing evidence supporting exclusion of both debts. Per guidelines if debts are paid by others, in order to exclude non-mortgage or mortgage debts from the DTI the most recent XXX months' cancelled checks or bank Statements must be obtained from the other party making the payments. | Supporting documents | Documentation provided is sufficient. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/17/2025 | C A |
| XXX | XXXXX | 304483587 | FCOM8997 | 02/06/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/06/2025 | A |
| XXX | XXXXX | 304483587 | FCRE8999 | 02/07/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304489936 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304489936 | FCRE8999 | 02/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304487962 | finding-3352 | 02/08/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/08/2025 | A |
| XXX | XXXXX | 304487962 | finding-2962 | 02/08/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/08/2025 | A |
| XXX | XXXXX | 304487962 | FCRE8999 | 02/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/09/2025 | A |
| XXX | XXXXX | 304492342 | FCOM8997 | 02/21/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/21/2025 | A |
| XXX | XXXXX | 304492342 | FCRE8999 | 02/21/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/21/2025 | A |
| XXX | XXXXX | 304493047 | finding-3352 | 02/07/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/07/2025 | A |
| XXX | XXXXX | 304493047 | FCRE1146 | 02/09/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present Lender to provide updated commitment, Policy amount $XXX in file. Final approval and Note for $XXX | Title | Documentation provided is sufficient. Exception resolved.; Title Document is fully Present | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/09/2025 | D A |
| XXX | XXXXX | 304493047 | FCRE6737 | 02/09/2025 | Credit | Missing Doc | Missing Letter of Explanation (Income) | All non-borrowing owners of the business must provide a signed and dated letter acknowledging the transaction and confirming the borrower's access to the account for income-related purposes. | LOX | Documentation provided is sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/09/2025 | D A |
| XXX | XXXXX | 304493049 | finding-3352 | 02/14/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304493049 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304494030 | FCOM8997 | 02/04/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/04/2025 | A |
| XXX | XXXXX | 304494030 | FCRE8999 | 02/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 02/05/2025 | A |
| XXX | XXXXX | 304494102 | finding-47 | 02/04/2025 | Compliance | Right to Rescind | TILA Right of Rescission Test | This loan failed the TILA right of rescission test.Closed-end (XXX CFR §XXX(a) (XXX) , transferred from XXX CFR §XXX(a) (XXX)) , Open-end (XXX CFR §XXX(a) (XXX) , transferred from XXX CFR §XXX(a) (XXX)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XXX CFR ##XXX##r §XXX, or delivery of all material disclosures, whichever occurs last. Documentation required to clear exception. The funding date is before the third business day following consummation, documentation of actual Disbursement date required. | Final Settlement Statement shows true disbursement as XXX-XXX and PCCD correcting disbursement date | PCCD with updated disbursement date provided; Exception resolved; PCCD with updated disbursement date provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | C A |
| XXX | XXXXX | 304494102 | FCRE9814 | 02/04/2025 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement The following is required when a loan closes in a trust; a copy of the trust is required, or a signed attorney's opinion may be obtained in lieu of the trust documents. The opinion letter must indicate that the trust meets all published requirements and must also include the following, Name of the trust, Date executed, Settler(s) of the trust, Whether it is revocable or irrevocable, Whether the trust has multiple trustees, Name of trustees, Manner in which vesting will be held. In addition the attorney needs to also verify that the trust has not been revoked, modified, or amended in any manner that would cause the representations to be incorrect. | Trust documents | Documentation provided is sufficient. Exception resolved.; Trust Agreement Meets Guideline Requirements | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304494102 | FCRE1325 | 02/04/2025 | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Provide evidence of percentage of ownership borrower has of XXX. | Ownership documentation | Documentation provided is sufficient. Exception resolved.; Borrower 1 CPA Letter Provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304494102 | FCRE5782 | 02/04/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing A gap credit report is required within XXX business days of closing. | Undisclosed Debt Monitoring is active at bottom of first page of attached fraud report | Documentation provided is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not missing. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304494102 | FCRE1201 | 02/04/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The Fraud Report in the loan file belongs to another individual, not our borrower. All loans require a Fraud Report with all high alerts addressed. | Fraud Report | Documentation provided is sufficient. Exception resolved.; Third Party Fraud Report is provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304494102 | FCRE6019 | 02/04/2025 | Credit | Missing Doc - Credit | Borrower 1 citizenship Documentation not provided | Borrower 1 citizenship Documentation Is Missing Provide an unexpired Government Issued ID of the USA Patriot Act Disclosure. | Drivers license with a XXX expiration year; ID | Documentation provided is sufficient. Exception resolved.; Borrower 1 citizenship Documentation Provided or Not Required; The ID for XXX is expired. Please provide a current ID or updated Patriot Act document with current ID. Exception remains. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304494102 | FCRE6914 | 02/04/2025 | Credit | Missing Doc - Credit | Borrower 2 citizenship Documentation not provided | Borrower 2 citizenship Documentation Is Missing Provide an unexpired Government Issued ID for Borrower 2. | ID | Documentation provided is sufficient. Exception resolved.; Borrower 2 citizenship Documentation Provided or Not Required | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2025 | D A |
| XXX | XXXXX | 304494102 | FCOM1232 | 02/05/2025 | Credit | Missing Doc | The Final 1003 is Missing | The Final 1003 is Missing | Final 1003 | Documentation provided is sufficient. Exception resolved.; The Final 1003 is Present | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/05/2025 | D A |
| XXX | XXXXX | 304497331 | FCOM8997 | 02/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304497331 | FCRE8999 | 02/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/17/2025 | A |
| XXX | XXXXX | 304511199 | FCOM8997 | 02/13/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304511199 | FCRE1437 | 02/14/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The Final 1003 reflects two other REOs generates rental income $XXX per month on XXX and $XXX per month on XXX. However, the loan file is missing this rental income, which ultimately calculates into a total rental loss, but the loss is much less than the PITIA for each property. Verification of rental incomer required, income and DTI subject to recalculation. | Lock on this file updated to be a XXX-month business bank Statements. It was originally intended to be underwritten as a XXX-month bank Statement program. Business bank Statements show about $XXXK per monthnth in income. Market rent schedules attached for both REO properties as well as a mortgage Statement for XXX and a First Payment Letter for XXX attached. Lock confirmation also attached showing update of program to Bank Statements.; Lock on this file updated to be a XXX-month business bank Statement loan instead of full doc. Business bank Statements show credits for XXX income. Market rent schedules attached for both REO properties as well as a mortgage Statement for XXX and a First Payment Letter for XXX attached. Lock confirmation also attached showing update of program to Bank Statements. | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | C A |
| XXX | XXXXX | 304632742 | finding-3352 | 02/20/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/20/2025 | A |
| XXX | XXXXX | 304632742 | FCRE8999 | 02/19/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 02/19/2025 | A |
| XXX | XXXXX | 304642379 | FCOM8997 | 02/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304642379 | FCRE8999 | 02/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/24/2025 | A |
| XXX | XXXXX | 304642392 | FCOM8997 | 03/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304642392 | FCRE1201 | 03/10/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Third-party fraud is required as per guidelines. | Fraud Report | Documentation provided is sufficient. Exception resolved.; Third Party Fraud Report is provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/10/2025 | D A |
| XXX | XXXXX | 304642392 | FCOM1227 | 03/10/2025 | Credit | Missing Doc | PUD Rider is Missing | PUD Rider is Missing | Mortgage with PUD Rider | Documentation provided is sufficient. Exception resolved.; The PUD Rider is Present or is Not Applicable (Property Type is PUD) | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 03/10/2025 | D A |
| XXX | XXXXX | 304637859 | FCOM8997 | 03/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/10/2025 | A |
| XXX | XXXXX | 304637859 | FCRE5782 | 03/10/2025 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing - Which is required to be within XXX business days prior to closing. | Undisclosed Debt Monitoring | Documentation provided is sufficient. Exception resolved.; Borrower 1 Gap Credit Report is not missing. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/10/2025 | D A |
| XXX | XXXXX | 304637859 | FCRE1148 | 03/10/2025 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Prelim Title shows Proposed title coverage in the amount of $XXX executed Note & Deed show loan amount of $XXX | Final Title | Documentation provided is sufficient. Exception resolved.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/10/2025 | B A |
| XXX | XXXXX | 304642532 | finding-3352 | 03/05/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Non-QM This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304642532 | finding-2962 | 03/05/2025 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | Non-QM This loan failed the XXX higher-priced mortgage loan test. (XXX, XXX Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code.While the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/05/2025 | A |
| XXX | XXXXX | 304642532 | FCRE1195 | 03/05/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% According to the lender guideline matrix dated XX/XX/XXXX, a borrower with a Mid FICO of XXX qualifies for a XXX% CLTV/HCLTV cash-out refinance on a XXX. However, the loan was approved at XXX%, which would require borrower to have a Mid FICO of at least XXX. |  | Audited CLTV of XXX% is less than or equal to Guideline CLTV of XXX%. Current matrix provided which permits CLTV/HLTV to XXX%. Condition cleared. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/05/2025 | C A |
| XXX | XXXXX | 304642532 | FCRE1196 | 03/05/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% According to the lender guideline matrix dated XX/XX/XXXX, a borrower with a Mid FICO of XXX qualifies for a XXX% CLTV/HCLTV cash-out refinance on a XXX. However, the loan was approved at XXX%, which would require borrower to have a Mid FICO of at least XXX. |  | Audited HLTV of XXX% is less than or equal to Guideline HCLTV of XXX%. Current matrix provided which permits CLTV/HLTV to XXX%. Condition cleared. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/05/2025 | C A |
| XXX | XXXXX | 304642532 | FVAL3825 | 03/05/2025 | Credit | Property | FEMA Declared Disaster Dated Prior to the , After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. FEMA Declared XXX disaster Area from XX/XX/XXXX to XX/XX/XXXX current appraisal reflects property was inspected on XX/XX/XXXX, which is prior to the end date of this disaster and there is no evidence of a subsequent property Inspection conducted after XX/XX/XXXX. | PDI | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 03/05/2025 | C A |
| XXX | XXXXX | 304418545 | FCOM1262 | 11/15/2024 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing Missing Right of Rescission. | Right of Rescission | Right of Rescission is Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/15/2024 | D A |
| XXX | XXXXX | 304418545 | FCRE8999 | 11/15/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 11/15/2024 | A |
| XXX | XXXXX | 304378564 | FCOM8997 | 08/10/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/10/2024 | A |
| XXX | XXXXX | 304378564 | FCRE1201 | 08/10/2024 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  | Fraud Report received with no alerts. Condition cleared.; Missing Third Party Fraud Report; Fraud Report received with no alerts. Condition cleared.; Fraud Report received with no alerts. Condition cleared.; Fraud Report received with no alerts. Condition cleared. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/10/2024 | D A |
| XXX | XXXXX | 304632018 | FCOM1262 | 02/27/2025 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing The Right of Rescission is missing. | XXX | Right of Rescission is Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/27/2025 | D A |
| XXX | XXXXX | 304632018 | FCRE6019 | 02/28/2025 | Credit | Missing Doc - Credit | Borrower 1 citizenship Documentation not provided | Borrower 1 citizenship Documentation Is Missing USA Patriot Act Disclosure was not provided to verify B1's identity. | Patriot Act Disclosure | Documentation provided is sufficient. Exception resolved.; Borrower 1 citizenship Documentation Provided or Not Required | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/28/2025 | D A |
| XXX | XXXXX | 304632018 | FCRE3801 | 02/28/2025 | Credit | Missing Doc | Missing Balance Sheet | Balance Sheet and current YTD P&L dated prior to the application date of XX/XX/XXXX was not provided at the time of audit review; transaction currently does not meet program guidelines. | XXX | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/28/2025 | D A |
| XXX | XXXXX | 304632018 | FCRE9942 | 02/28/2025 | Credit | Missing Doc | Missing Income - Business Tax Returns | Complete business and personal XXX and XXX tax returns including all Schedules were not provided at the time of audit review; transaction currently does not meet program guidelines. | 2022 and 2023 Business and Personal Tax Returns | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/28/2025 | D A |
| XXX | XXXXX | 304632018 | FCRE7495 | 02/28/2025 | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Supporting documentation to verify XXX current balance of $XXX was not provided at the time of audit review. | XXX docs and LOE | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/28/2025 | D A |
| XXX | XXXXX | 304416295 | FCOM8997 | 12/16/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/16/2024 | A |
| XXX | XXXXX | 304416295 | FCRE1346 | 12/16/2024 | Credit | Missing Doc | Borrower 1 XXX Schedule E Missing | Borrower 1 XXX Schedule E Missing The file is missing Schedule E of the 1040s for XXX and XXX. Please provide the full returns for tax years 2022 and 2023 which will include all schedules filed specifically the Schedule E for determining the income on the REO property located at XXX. | XXX; XXX | Documentation provided is sufficient. Exception resolved.; Borrower 1 XXX Schedule E Provided | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/16/2024 | D A |
| XXX | XXXXX | 304416295 | FCRE1294 | 12/16/2024 | Credit | Income/Employment | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Please provide the documentation used in determining the REO income (XXX). Documentation to include current mortgage Statement, property tax bill, hazard insurance, HOA dues (if applicable) , and Schedule E. | REO | Documentation provided is sufficient. Exception resolved.; Income XXX Months Income Verified is Present Or Not Applicable | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 12/16/2024 | C A |
| XXX | XXXXX | 304378237 | finding-3352 | 08/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/11/2024 | A |
| XXX | XXXXX | 304378237 | finding-2623 | 08/11/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant. |  | HPML Compliant | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/11/2024 | A |
| XXX | XXXXX | 304378237 | FCRE1201 | 08/06/2024 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  | Fraud Report received with no alerts. Condition cleared.; Missing Third Party Fraud Report; Fraud Report received with no alerts. Condition cleared.; Fraud Report received with no alerts. Condition cleared. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/06/2024 | D A |
| XXX | XXXXX | 304378074 | finding-3352 | 08/10/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | HPML Compliant; HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/10/2024 | A |
| XXX | XXXXX | 304378074 | finding-2623 | 08/10/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant |  | HPML Compliant; HPML Compliant | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/10/2024 | A |
| XXX | XXXXX | 304378074 | FCRE1201 | 08/07/2024 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  | Fraud Report received with no alerts. Condition cleared.; Missing Third Party Fraud Report; Fraud Report received with no alerts. Condition cleared. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 08/07/2024 | D A |
| XXX | XXXXX | 304378016 | finding-3352 | 08/17/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/17/2024 | A |
| XXX | XXXXX | 304378016 | finding-2623 | 08/17/2024 | Compliance | Points & Fees | XXX Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX 09030602B(XXX) , XXX 09030902B(XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX). While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/17/2024 | A |
| XXX | XXXXX | 304378016 | FCRE1201 | 08/14/2024 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  | Third Party Fraud Report is provided | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/14/2024 | D A |
| XXX | XXXXX | 304378016 | FCRE1203 | 08/26/2024 | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Potential Fraud Reflected on Fraud Report. Fraud Report reflects undisclosed property not disclosed on Final 1003: XXX. The Fraud Report shows - Vesting Seperate Property - this is indiciative of a possible dissolution of property. County tax records confirm borrower has been part owner since XXX, and is still on title per the XX/XX/XXXX property tax bill. This property is not dislcosed via the loan application nor letter of explanation or other information regarding in the loan file. | Per XXX, Current owners are XXX and XXX \| \| Per XXX, possible XXX is XXX and possible mother is XXX. \| \| Borrower is XXX | Document provided is sufficient. Fraud report cleared. Exception resolved.; Potential Fraud Reflected on Fraud Report is Resolved or None Exists | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/26/2024 | C A |
| XXX | XXXXX | 304477198 | FCOM1262 | 02/13/2025 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing | NORTC | Right of Rescission is Provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | D A |
| XXX | XXXXX | 304477198 | finding-3352 | 02/13/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/13/2025 | A |
| XXX | XXXXX | 304477198 | FCOM1220 | 02/12/2025 | Credit | Closing | The Deed of Trust is Missing | The Deed of Trust is Missing The file is missing a copy of the mortgage/deed of trust in the amount of $XXX. Please provide a copy of the mortgage/deed of trust. | mtg | Documentation provided is sufficient. Exception resolved.; The Deed of Trust is Present | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | D A |
| XXX | XXXXX | 304477198 | FCRE1316 | 02/12/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Please provide a copy of the required 3rd Party VOE dated within XXX days of the note. | VVOE | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | D A |
| XXX | XXXXX | 304477198 | FCRE1322 | 02/12/2025 | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Borrower 1 Business Tax Returns Missing Please provide a copy of XXX years business tax returns. | 2022 and 2023 Business Tax Returns | Documentation provided is sufficient. Exception resolved.; Borrower 1 Business Tax Returns Provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | D A |
| XXX | XXXXX | 304477198 | FCRE1334 | 02/12/2025 | Credit | Missing Doc | Borrower 1 Executed XXX-T Missing | Borrower 1 Executed XXX-T Missing Please provide a copy of the XXX-T which was executed at closing. |  | Documentation provided is sufficient. Exception resolved.; Borrower 1 Executed XXX-T Provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | D A |
| XXX | XXXXX | 304477198 | FCRE1319 | 02/12/2025 | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Borrower 1 Personal Tax Returns Missing Please provide a copy of the XXX-T which was executed at closing. | 2022 and 2023 personal tax returns | Documentation provided is sufficient. Exception resolved.; Borrower 1 Personal Tax Returns Provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | D A |
| XXX | XXXXX | 304477198 | FCOM1227 | 02/12/2025 | Credit | Missing Doc | PUD Rider is Missing | PUD Rider is Missing The property is located within a PUD and The Deed of Trust is Missing as well as the PUD rider. Please provide a copy of the PUD rider. | PUD Rider | Documentation provided is sufficient. Exception resolved. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | 02/12/2025 | D A |
| XXX | XXXXX | 304471742 | FCOM8997 | 02/14/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/14/2025 | A |
| XXX | XXXXX | 304471742 | FCRE1437 | 02/13/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines - Unable to verify income due to missing income documentation, WVOE, Paystub and or W2s for Borrower's employment at XXX. Borrower earns $XXX as base income and $XXX as Bonus income per Final 1003. | paystubs and w2 | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2025 | C A |
| XXX | XXXXX | 304441500 | FCOM8997 | 01/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304441500 | FCRE8999 | 01/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/09/2025 | A |
| XXX | XXXXX | 304441820 | finding-3352 | 12/11/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to A. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304441820 | FCRE8999 | 12/11/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/11/2024 | A |
| XXX | XXXXX | 304475289 | FCOM1262 | 01/29/2025 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing Right of Rescission is missing. | Right of Rescission | Right of Rescission is Provided; Right of Rescission was provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/29/2025 | D A |
| XXX | XXXXX | 304475289 | FCRE1437 | 01/30/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines - Borrower's current employment is XXX month old and no records in file verifying two years employment history. Per Guidelines, A minimum of two years employment history and continuance of income for three years is generally required for all Borrowers whose income is being used to qualify. | XXX, paystubs. voe and W2.; Paystubs, W2, XXX and VOEs | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines; ; Please upload paystubs, W2, XXX and VOEs. Exception remains. | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/30/2025 | C A |
| XXX | XXXXX | 304475289 | FCRE1253 | 01/30/2025 | Credit | Eligibility | Missing Property Tax Cert | Missing Property Tax Cert | Property Tax Cert | Documentation provided is sufficient. Exception resolved.; Property Tax Cert Provided | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/30/2025 | C A |
| XXX | XXXXX | 304475289 | FCRE5116 | 01/30/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. - MISSING MORTGAGE Statement for 1st lien to determine principal and interest only portion of the mortgage. Per Guidelines, 1st lien terms are required to be documented and considered. | Mortgage Statement | Documentation provided is sufficient. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | 01/30/2025 | D A |
| XXX | XXXXX | 304443450 | FCOM8997 | 12/26/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2024 | A |
| XXX | XXXXX | 304443450 | FCRE8999 | 12/27/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/27/2024 | A |
| XXX | XXXXX | 304462120 | FCOM8997 | 02/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | A |
| XXX | XXXXX | 304462120 | FCRE1437 | 02/11/2025 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The borrower is active duty XXX and was qualified for loan utilizing base pay and housing allowance. Guidelines require XXX years W2/Written VOE and LES. The loan file contains a verification of employment and a XXX calculator screen print, which is not sufficient for verification of income. | Paystubs W2's | Documentation provided is sufficient. Exception resolved.; Income and Employment Meet Guidelines | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | C A |
| XXX | XXXXX | 304462120 | FCRE7496 | 02/11/2025 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | The XXX Transmittal Summary reflects a $XXX per month HOA monthly payment. However, loan file does not contain verification of HOA dues for subject property. | HOA Dues | Documentation provided is sufficient. Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | D A |
| XXX | XXXXX | 304462120 | FVAL9739 | 02/11/2025 | Credit | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Guidelines require if an AVM is utilized for value a property condition inspection is required. No evidence of a property condition inspection in the loan file. | Property Inspection | Documentation provided is sufficient. Exception resolved.; Property/Appraisal Meets Guidelines | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/11/2025 | C A |
| XXX | XXXXX | 304101242 | FCOM8997 | 03/08/2024 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/08/2024 | A |
| XXX | XXXXX | 304101242 | FCRE1440 | 03/06/2024 | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Borrower is not on the senior Mortgage Note. The provided Note verifies the loan is in the non-borrowing XXXs name only. An email correspondence in file reflect a Lender Exception was granted, however this document does not include any compensating factors for approval. Need an executed Lender Exception Form with compensating factors to downgrade the exception to a level 2/B. | Attache is the email with our Exception Approval Form; Attached is the email with our Exception Approval form; See the attached doc that verifies the primary mortgage as being current. | Received an email correspondence with a Lender Exception granting an exception because the borrower is not on the first lien Note, but loan was approved including the full PITIA in the calculated DTI. The following compensating factors were identified by the lender; LTV is less than maximum, excellent housing payment history, and additional household income shown on IRS Transcripts from NPS not used in qualifying. Exception downgraded to a level 2/B.; A copy of credit report was provided still reflecting that non-borrowing XXX is the only one on the mortgage loan. However, exception is in regards to the following: The Borrower is not on the senior Mortgage Note. The provided Note verifies the loan is in the non-borrowing XXXs name only. An email correspondence in file reflect a Lender Exception was granted, however this document does not include any compensating factors for approval. Need an executed Lender Exception Form with compensating factors to downgrade the exception to a level 2/B. Exception Remains.; | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXXXX | 304101242 | FCRE1193 | 03/06/2024 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Due to the Hazard Insurance Monthly payment of $XXX used by the lender was must less than the amount verified. Verified with the provided Hazard Policy that the Monthly payment is $XXX. | Updated hazard binder | Received updated HOI reflecting much lower premium and monthly payment. The DTi decreased and fellow below maximum. Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%. exception Resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2024 | C A |
| XXX | XXXXX | 304101242 | FCRE5782 | 03/06/2024 | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The lender approval in the loan file reflects a pre-close credit report dated within XXX calendar days of the to verify newly opened accounts, judgements, tax liens or undisclosed debt for. However, the loan file is missing this pre-close credit report for the borrower. |  | Exception resolved. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/06/2024 | D A |
| XXX | XXXXX | 304422573 | finding-3352 | 12/05/2024 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML Compliant | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2024 | A |
| XXX | XXXXX | 304422573 | FCRE1184 | 12/06/2024 | Credit | Missing Doc | AUS Not Provided | Missing AUS Per XXX loan was submitted as DU Approved. Lender to provide DU Approval(s) | this is a manual UW no AUS findings | Explanation provided is sufficient. Exception resolved.; AUS is not missing | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/06/2024 | D A |
| XXX | XXXXX | 304482896 | FCOM1262 | 02/13/2025 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing Missing Right to Cancel executed by the Borrower. The Right to Cancel in file is for the Non-Borrowing XXX. | nortc | Right of Rescission is Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | D A |
| XXX | XXXXX | 304482896 | FCRE8999 | 02/13/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only; Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2025 | A |

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## Exhibit 99.14

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.14**

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| | | | |
|:---|:---|:---|:---|
| **Customer Loan ID** | **Seller Loan ID** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 304383820 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304383607 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304383384 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304383274 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497314 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497313 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497312 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497311 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497310 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497309 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497307 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497305 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497302 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497301 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497300 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497298 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497297 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497296 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497295 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304497294 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497292 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497290 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497289 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497288 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497286 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497284 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497283 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497282 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497280 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497279 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497278 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497277 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497275 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497274 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497273 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497272 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497271 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497268 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497265 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497264 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497263 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497261 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497257 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497256 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497255 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497254 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497253 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497251 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497250 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497248 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497246 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497244 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497243 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497241 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497232 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497231 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497228 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497226 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497225 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497224 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497222 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497221 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497220 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497218 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497216 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497210 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497209 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497208 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497205 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497204 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497203 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497199 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497197 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497195 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497194 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497192 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497191 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497190 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497189 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497186 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497182 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497180 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497179 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497177 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Higher Priced APOR (APOR HP) |
| 304497175 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497174 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497172 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497171 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497169 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497167 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497165 | XXXXX D A C NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497163 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497162 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497159 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497158 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497152 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497151 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497150 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497149 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497148 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497147 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497146 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497145 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497143 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497141 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497138 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497137 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497134 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497131 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497130 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Higher Priced APOR (APOR HP) |
| 304497129 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497127 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497126 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497123 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497122 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497120 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497119 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497117 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497115 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497114 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497113 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497112 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497109 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497107 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497106 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497104 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497103 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497096 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497094 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497092 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497090 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497089 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497087 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497086 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497085 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497084 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497083 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497081 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497080 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497079 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497078 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497076 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497074 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497070 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497069 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497066 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497065 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497064 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497062 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497061 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497059 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497058 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497057 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497054 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497053 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497052 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497051 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497049 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497046 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497043 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497041 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497040 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497039 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497035 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497033 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497032 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497031 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497028 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497027 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497025 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497023 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497020 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497018 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497016 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497015 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497014 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497012 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497011 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497009 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497007 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497006 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497005 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497004 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497003 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497002 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496999 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496998 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496997 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496996 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496995 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496993 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496992 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496990 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496987 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496986 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496985 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496984 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496983 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496982 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496981 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496978 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496977 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496976 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496975 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496974 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496973 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496970 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496969 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496968 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496962 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496960 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496959 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496958 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496956 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496954 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496950 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496949 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496948 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496945 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496943 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496942 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496940 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496938 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496935 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496933 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496932 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496930 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Higher Priced APOR (APOR HP) |
| 304496929 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496928 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496927 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496926 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496925 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496924 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496923 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496921 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496919 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496918 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496917 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496915 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496914 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496912 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496910 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496909 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496908 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496903 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496902 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496900 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496899 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496897 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496896 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496895 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496891 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496889 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496888 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496887 | XXXXX B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496886 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496884 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496883 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496882 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496881 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496877 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496876 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496873 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496872 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496870 | XXXXX B A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496869 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496868 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496866 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496865 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496864 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496863 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496861 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496860 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496859 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496858 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496857 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496856 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496853 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496851 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496850 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496849 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496848 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496847 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496846 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496843 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496841 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496840 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496839 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496836 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496835 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496834 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496833 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496832 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496831 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496830 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496826 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496824 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496822 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496821 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496820 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496819 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496817 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496816 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496815 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496813 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496812 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496811 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496808 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496807 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496806 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496804 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496803 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496801 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496799 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496797 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496793 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496791 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496790 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496789 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496788 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496786 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496783 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496782 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496781 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496779 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496778 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496777 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496776 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496775 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496774 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496772 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496771 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496767 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496766 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496763 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496762 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496759 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496758 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496756 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496753 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496751 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496750 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496749 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496748 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496747 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496746 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496743 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496742 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496740 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496737 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496736 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496734 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496733 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496732 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496731 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496730 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496727 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496726 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496725 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496724 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496723 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496722 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496721 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496720 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304471958 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304436574 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304441736 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304323234 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304385295 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304398425 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304337583 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304353873 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304356582 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304357066 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304363505 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304363653 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304364683 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304368525 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304369744 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304369554 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304477559 | XXXXX D B A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304489935 | XXXXX D B A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304490216 | XXXXX D B A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304490247 | XXXXX D B A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304490246 | XXXXX D B A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304490245 | XXXXX D B A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304490215 | XXXXX D B A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304497421 | XXXXX C B A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304373299 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304396483 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304388609 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304378950 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304419368 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304379780 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304380626 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304393167 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304380988 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304381579 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304381616 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304396704 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304382793 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304382067 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304398355 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304382849 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304382774 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304384719 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304384963 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304384955 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304385163 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Safe Harbor APOR (APOR SH) |
| 304386610 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304385218 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304385462 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304385461 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304386994 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304386608 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304436653 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304387085 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304386545 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304438497 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304386604 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304387125 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304388447 | XXXXX D B A C NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304388020 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304387874 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304393766 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304391160 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304388047 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304439346 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304388472 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304390601 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304391009 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304396311 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304393346 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304393765 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304391218 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304392182 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304391214 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304391786 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304391866 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304392125 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304396481 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304392121 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304393165 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304393027 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304392613 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304392611 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304393101 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304393112 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304419521 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304393025 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304393031 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304393752 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304393190 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304393344 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304398654 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304393763 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304393749 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304398869 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304398255 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304436364 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304396771 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304396700 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304396768 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304396767 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304397830 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304398044 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304419330 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304397928 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304397995 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304398685 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304398203 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304398099 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304417677 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304400624 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304398848 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304398652 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304400621 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304401238 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304420323 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304399513 | XXXXX D A C NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304400672 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304400713 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304401027 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304401236 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304418740 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304437854 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304426790 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425701 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304405059 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304401323 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304401321 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304402749 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304402748 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304402747 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304405735 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304417676 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304402765 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304405655 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304405654 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304422584 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304415851 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304405575 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304426440 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304405646 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304436542 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304405642 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304405640 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304416378 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304418919 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304417059 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304420995 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304418710 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304415934 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304418487 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304419037 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304416504 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304417159 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304417268 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304392133 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304417838 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304417055 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304420994 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304422583 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304418095 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304417831 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304417835 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304422968 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304417834 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304418485 | XXXXX C B A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304418708 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304419034 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304418578 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304418575 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304420993 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304418707 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304418574 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304418571 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304418569 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304418568 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304419126 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304420427 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304420139 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304418825 | XXXXX D B A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304419125 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304418824 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304418929 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304419519 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304419020 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304419029 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304419028 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304419115 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304420444 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304420514 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304420643 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304391008 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304420989 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304425889 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304420744 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304423562 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425167 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304420426 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304420513 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304420442 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304420849 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304422582 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304422950 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304420985 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304420640 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304420639 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304420741 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304420739 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304422398 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304420848 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304459805 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304420979 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304420975 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304420973 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304420972 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304422861 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304422397 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304422647 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304422395 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304405650 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304428914 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304422488 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304428913 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304422555 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304423754 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304422552 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304422857 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425188 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304432775 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304423683 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304422984 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304423561 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304422982 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304422981 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304423686 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304426692 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425187 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304429119 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304423681 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304425118 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425700 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304423749 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304423747 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425059 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304437970 | XXXXX D A C NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304423745 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304427792 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304425117 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304426217 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304425125 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425166 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425116 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304432220 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425115 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425182 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425177 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425175 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304433063 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304427020 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425272 | XXXXX C B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304425888 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425169 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304427019 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304425271 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425602 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425751 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304432219 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304437963 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304428911 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304426201 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425269 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304427018 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304425750 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304428173 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304429178 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304425749 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304425748 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304427467 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304425886 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304426361 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304429177 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304426216 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304427790 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304426358 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304426691 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304432293 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304428171 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304426435 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304437883 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304429018 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304427015 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304432218 | XXXXX C B A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304429727 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304427454 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304432511 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304428910 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304427009 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304428170 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304442638 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304427789 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304428169 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304427464 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304427786 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304427785 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304428906 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304428905 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304428168 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304435441 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304436082 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304428167 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304428184 | XXXXX C B A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304436419 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304428757 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304436362 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304428836 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304436317 | XXXXX C B A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304458225 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304428835 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304428834 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304428904 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304429118 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304432234 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304428897 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304432217 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304428895 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304428894 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304435440 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304433128 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304429103 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304440020 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304429117 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304429128 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304432932 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304431548 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304429168 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304429724 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304432216 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304432399 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304442459 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304429723 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304431546 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304432581 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304432231 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304432292 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304432398 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304432244 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304437851 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304432291 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304432290 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304432288 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304432509 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304432930 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304432507 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304436530 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304433127 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304437472 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304432721 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304432879 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304432719 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304432944 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304436529 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304432877 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304457468 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304432940 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304436316 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304436315 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304435424 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304433125 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304435439 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304436079 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304436298 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304436313 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304436312 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304441630 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304436355 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304436354 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304436418 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304443058 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304436578 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304436444 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304436461 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304436540 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304438493 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304468379 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304436576 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304436640 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304436639 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304437709 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304436652 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304436721 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304436637 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304437020 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304436650 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304436649 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304436728 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304436827 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304437364 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304436826 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304436899 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304443255 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304437424 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304437440 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304437439 | XXXXX C B A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304437470 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304437850 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304437467 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304458224 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304437707 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304437532 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304467084 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304438490 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304442401 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304439218 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304437804 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304439342 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304437848 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304438489 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304456440 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304437951 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304438486 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304438484 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304438481 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304442973 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304443240 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304443996 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304438465 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304438462 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304440099 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304442677 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304444770 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304438455 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304438454 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304441646 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304439182 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304438453 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304438451 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304438450 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304442971 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304440098 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304438445 | XXXXX C B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304438444 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304438442 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304438441 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304439272 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304438611 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304438663 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304439180 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304438657 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304439178 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304440097 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304439339 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304439216 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304442400 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304462109 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304440017 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304439336 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304441490 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304441627 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304443156 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304440012 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304440095 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304440264 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304440092 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304440263 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304440262 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304440261 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304441827 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304441483 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304441482 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304441487 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304443479 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304441624 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304441621 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304441826 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304441642 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304441792 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304441721 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304477471 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | QM: Higher Priced APOR (APOR HP) |
| 304461906 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304441841 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304458595 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304441840 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304442399 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304442398 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304442397 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304457477 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304441824 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304441838 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304441837 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304441927 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304442457 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304442392 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304457476 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304470000 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304442382 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304443568 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304442454 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304443155 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304442635 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304443478 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304442633 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304442448 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304442674 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304442969 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304442673 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304454189 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304443911 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304443057 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304443116 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304443925 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304443153 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304443051 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304443553 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304457376 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304443113 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304443130 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304443239 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304444769 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304443151 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304443150 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304459803 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304443567 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304443552 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304456483 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304443551 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304456482 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304443633 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304443924 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304454313 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304443909 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304458221 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304443993 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304443990 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304443989 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304472527 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304454187 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304444766 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304456481 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304454186 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304458301 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304454183 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304454311 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304457475 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304456437 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304456479 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304458300 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304458594 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304458299 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304458298 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304458593 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304457466 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304457474 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304459231 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304459763 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304458218 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304457947 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304458217 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304458216 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304458215 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304458279 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304458212 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304458210 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304458207 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304458205 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304458204 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304458203 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304459406 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304458200 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481643 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304458197 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304458196 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304459101 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304458578 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304459008 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304460669 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304459007 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304459467 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304459098 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304459096 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304459366 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304459365 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304459802 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304462415 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304459470 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304461903 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304459532 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304459669 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304459665 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304467176 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304459664 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304473329 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304459801 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304468606 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304469979 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304462055 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304470236 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304467082 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304462106 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304462104 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304462341 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304466787 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304462458 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304462351 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492433 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304462412 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304472776 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304476603 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304467605 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304466795 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304466785 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304466794 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304467081 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304469978 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304467080 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304468604 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304475071 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304470233 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304482895 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304470225 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304470343 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304470342 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304498514 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304472383 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304470220 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304470219 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304471098 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Higher Priced APOR (APOR HP) |
| 304672238 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304472674 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304471856 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304470218 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304470682 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492336 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481568 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304471508 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304471654 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304470876 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304471170 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304477174 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304472342 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304471169 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304471854 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304472011 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304477464 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304471931 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304471738 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304471793 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304471791 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304472366 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304471939 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304477036 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304472341 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304459011 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304472022 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304472308 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304472010 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304472306 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304472304 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304472340 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304472364 | XXXXX D B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304472362 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304472381 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304472416 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304472520 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304462416 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304477530 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304493140 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304472516 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304472514 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304473762 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304473726 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304480821 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304474212 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304490558 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304472760 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304473327 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304472772 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481696 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304477094 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304475050 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304473667 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304473666 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304473731 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304473729 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304475009 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304475112 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304474221 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304475188 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304475095 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304475047 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304494075 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304475046 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304475085 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304477093 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304476583 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304475186 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481642 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481257 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304493044 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304477032 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304476599 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492848 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304477165 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304477162 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304477229 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304477202 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304477463 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304477470 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304477228 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304477227 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481306 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304442632 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304486930 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304485276 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632139 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304477469 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304497414 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481321 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304477644 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304480860 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304480819 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304480818 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481433 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304480859 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304480921 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304480858 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481328 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304480919 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304480916 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304480906 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304480904 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481738 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304480900 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304480898 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304480897 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304482893 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481362 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481247 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481248 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304483093 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304481246 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481304 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481244 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481243 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304491987 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481319 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481303 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481327 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481326 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481316 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481360 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481694 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481372 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481422 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304486929 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304480820 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304481411 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481410 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481409 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481425 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481432 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481466 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481567 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304489934 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481566 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304481461 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481541 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481460 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304481637 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481563 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481562 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481651 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304482892 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304493948 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304419520 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481627 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304439345 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481641 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304486597 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304482891 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304482890 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492442 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481719 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304481744 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304482022 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496664 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304482889 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304482888 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304481745 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304483091 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304482883 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304482882 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304482927 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304482879 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304482878 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304482875 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304495195 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304486595 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304482869 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492425 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304482864 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) |
| 304490556 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304482861 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304482924 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304483090 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304483087 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304483511 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492335 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304483106 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492334 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304483534 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304484522 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304486056 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304484894 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304485147 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304485291 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304486011 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304485290 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304485289 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304485288 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632596 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304486009 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304486927 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304486054 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304487997 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304486605 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304486068 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304486067 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304486066 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304486578 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304486386 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304487899 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304487616 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304486575 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304486591 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304486925 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304486924 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304486922 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304486921 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304487892 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304493042 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304487897 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492683 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304487906 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492612 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304487995 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304637157 | XXXXX C B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304487993 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304489931 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492563 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304490552 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304490465 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304490228 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304490551 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304490463 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304490482 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304490547 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304490546 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495091 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304496663 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304490542 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304490541 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304490538 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304490537 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304490534 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304552709 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492243 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304490533 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304490531 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492682 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304493138 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304490530 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492550 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304490524 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492666 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304494286 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304491983 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304494031 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304493559 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304494155 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492079 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304494154 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492259 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492257 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492329 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492328 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492327 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492326 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492323 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492321 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492532 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304494074 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492423 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492417 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492549 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492694 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492547 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492681 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492546 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492560 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492610 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492608 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492680 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492665 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492663 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304493041 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304510696 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304493137 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304493040 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304495090 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304477160 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304495089 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304495193 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | QM: Higher Priced APOR (APOR HP) |
| 304494026 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304493036 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304493136 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304493034 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304493135 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304493557 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304495088 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304493556 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304495087 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304493826 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304495192 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304493945 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304494070 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304495085 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304494285 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304495084 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304495153 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304509934 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304498266 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304495083 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304494388 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304495075 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495072 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304495068 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304495152 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304495066 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497787 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304495059 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304495058 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304495057 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304495056 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304495055 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304495053 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304495052 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496659 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304495046 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304495044 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304495043 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304495040 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304632687 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304495151 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304495150 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304510694 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497786 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304495147 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304495643 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304497427 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304495188 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304632024 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497413 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304495639 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304497412 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304497406 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304498562 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304637156 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632595 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304498263 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304498289 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304498561 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304510357 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304498558 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304510355 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304510784 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304510353 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304510690 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304510508 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304510507 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304510684 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304511537 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304510679 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304510669 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304510668 | XXXXX C B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304510667 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304510665 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304510664 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304510663 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304510741 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304632594 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304510662 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304572211 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304510752 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304510762 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304511707 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304510970 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304512126 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304510987 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304511536 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304632706 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304552708 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304511485 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304511706 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304631380 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304635008 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304511484 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304634560 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304511712 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304511705 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304631795 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304632084 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304512124 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632684 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304512122 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304592827 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304592821 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632065 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304552705 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304572071 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304592826 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304613720 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304613718 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304632962 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304632022 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304631790 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632021 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304634442 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632019 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304632063 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304632137 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304632282 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632683 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632135 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632682 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304632279 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304635464 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632497 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632496 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632767 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632677 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304632675 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304634440 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632705 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304632672 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632669 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304632663 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632658 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632657 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632654 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632784 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304642441 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304634679 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304636804 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632783 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632798 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632754 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632973 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304633045 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632797 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304635007 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304632796 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632934 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304633044 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304632959 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304632967 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304632971 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304633041 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304633474 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304635006 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304633473 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304633472 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304638535 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304634437 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304634436 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304634677 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304634556 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304635462 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304636757 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304635062 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492562 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304636756 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304635893 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304635635 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304635461 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304636530 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304638659 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304636550 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304636352 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304636429 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304636427 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304636823 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304637093 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304636822 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304636802 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304636567 | XXXXX C B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304638307 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304637092 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304638614 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304636821 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304637090 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304639843 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304637154 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304637153 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304637166 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304637165 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304637578 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304637577 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304637575 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304639760 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304637570 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304637568 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304637566 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304637563 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304637562 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304637561 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304637560 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) |
| 304638301 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304637651 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304638613 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304638542 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304639456 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304637678 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304638300 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304637885 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304639759 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304640115 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304637884 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304638475 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304638540 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304638297 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304638611 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304639869 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304639042 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | QM: Higher Priced APOR (APOR HP) |
| 304638538 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304638609 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304638608 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304639988 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304640290 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304638993 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304638992 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304639041 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304638991 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304639658 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304639454 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304639940 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304643342 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304639987 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304640289 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304641826 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304639775 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304640113 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304639938 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304639936 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304639986 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304669751 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304640286 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304640281 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304640280 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304643399 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304641211 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304641825 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304641210 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304641209 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304641266 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304663723 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304641822 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304642554 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304643165 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304643097 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304663381 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304643146 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304643511 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304643142 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304632970 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304643139 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304643138 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304643137 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304644282 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304643240 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304643340 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304643356 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304643339 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304664485 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304654688 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304654716 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304669750 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304664451 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304664612 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304664610 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304664606 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304664599 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304634681 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304667932 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304667931 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304668998 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304078884 | XXXXX C B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304476594 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304361463 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304364754 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304359288 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304361462 | XXXXX C A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304355845 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304354227 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304358641 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304363559 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304376254 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304384901 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304392166 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304380698 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304382101 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304388055 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304385912 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304388008 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304387008 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304386586 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304422541 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304401311 | XXXXX A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304426376 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304443090 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304423689 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304471174 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304420524 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304422572 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304424111 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304423718 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304462270 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304440306 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304437966 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304444778 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304440032 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304462063 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304440305 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304441632 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304441797 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304459232 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304472438 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304472420 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304459103 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304459311 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304456468 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492076 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304459105 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304572077 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304462335 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304475081 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304485285 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304485277 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304510776 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492553 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304510993 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304511495 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304416296 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496719 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496713 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496711 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496710 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496707 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496706 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496703 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496702 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496701 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496700 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496698 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496697 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304496696 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304405434 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304380618 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304400683 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304387002 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304382778 | XXXXX A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304418736 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304401102 | XXXXX A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304492232 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304398610 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304390799 | XXXXX C B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304393012 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304397151 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304397857 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304398863 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304415817 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304415816 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304415854 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304418817 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304422908 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304470211 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304420759 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304418540 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304490225 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304425616 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304425703 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304419025 | XXXXX D B A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304470210 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304423676 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304426787 | XXXXX C B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304470209 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304432865 | XXXXX B A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304470207 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304470206 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304470205 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304437871 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304592832 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304440022 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492225 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492224 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492223 | XXXXX B A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492221 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492218 | XXXXX D A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304492217 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304613717 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492216 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492213 | XXXXX C A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304492212 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492211 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492210 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304489946 | XXXXX B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304485201 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492209 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304490223 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492208 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304490240 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304494078 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304485200 | XXXXX B A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304483594 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304493031 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304490239 | XXXXX A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304490237 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304512120 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304639668 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304642452 | XXXXX A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304631377 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304631376 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304642384 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304644166 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304642451 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304642396 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304672335 | XXXXX A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304672333 | XXXXX A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304470093 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304241759 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304310743 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304333564 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304317630 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304334840 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304333063 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304416493 | XXXXX C A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304335780 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304359529 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304357639 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304393773 | XXXXX D A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304380641 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304380532 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304381626 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304381900 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304382331 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304385610 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304391818 | XXXXX D A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304385077 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304385283 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304387087 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304387264 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304388032 | XXXXX A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304388216 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304388454 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304390399 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304420637 | XXXXX D A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304420419 | XXXXX D A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304392215 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304397207 | XXXXX D A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304400682 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304396151 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304398079 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304398123 | XXXXX D B A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304419167 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304421461 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304398147 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304398243 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304398670 | XXXXX A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304418101 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304401023 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304401316 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304405457 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304405569 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304415815 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304416267 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304416289 | XXXXX D A C NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304422570 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492206 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304418082 | XXXXX A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304418081 | XXXXX D A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304418100 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304418746 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304420156 | XXXXX C B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304419317 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492204 | XXXXX C A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304398081 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304420757 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304426703 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304422636 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304592831 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304432620 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304425060 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304425135 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304425694 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304425738 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304425904 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304426429 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304426205 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304426413 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304426452 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492203 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492202 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304428832 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492201 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492200 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492199 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304436532 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492198 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492196 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304436286 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492193 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492191 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304437446 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492188 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492187 | XXXXX D B A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492186 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492185 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492184 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492182 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492181 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492178 | XXXXX C B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492177 | XXXXX B A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492176 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492175 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304490236 | XXXXX D B A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492174 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492171 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304492170 | XXXXX B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492168 | XXXXX C B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304470197 | XXXXX D B A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492165 | XXXXX C B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304492163 | XXXXX C B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304483079 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304485197 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304483592 | XXXXX C B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304483591 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304485194 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304489941 | XXXXX C B A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304485193 | XXXXX C B A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304485192 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304489940 | XXXXX C B A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304489939 | XXXXX D B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304485190 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304489938 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304483590 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304489937 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304483587 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304489936 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304487962 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304492342 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304493047 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304493049 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304494030 | XXXXX A NA | ATR/QM: Exempt | ATR/QM: Exempt |
| 304494102 | XXXXX D A C NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304497331 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304511199 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304632742 | XXXXX A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304642379 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304642392 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304637859 | XXXXX D A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304642532 | XXXXX C A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304418545 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304378564 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304632018 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304416295 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304378237 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304378074 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304378016 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304477198 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304471742 | XXXXX C A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304441500 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304441820 | XXXXX A NA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304475289 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304443450 | XXXXX A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304462120 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304101242 | XXXXX D B A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304422573 | XXXXX D A NA | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304482896 | XXXXX D A NA | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |

---

## Exhibit 99.15

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXX | XXXXX | 304383820 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.28 | 74.71 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304383607 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.46 | 73.73 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304383384 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.53 | 68.22 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304383274 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.15 | 67.7 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497314 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.35 | 33.34 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497313 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.44 | 74.31 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497312 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.82 | 49.71 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497311 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.61 | 68.13 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497310 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.65 | 80.15 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497309 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.19 | 71.26 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497307 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.0 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497305 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.72 | 51.04 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497302 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.78 | 68.05 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497301 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 48.23 | 72.62 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497300 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.42 | 52.15 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497298 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.37 | 65.55 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497297 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.44 | 73.7 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497296 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.75 | 69.06 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497295 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.15 | 84.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304497294 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.68 | 74.02 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497292 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 31.19 | 73.05 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497290 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.25 | 79.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497289 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.29 | 52.49 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497288 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.37 | 79.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497286 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.57 | 62.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497284 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.29 | 56.41 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497283 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.78 | 36.83 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497282 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 4.03 | 78.32 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497280 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 29.08 | 59.98 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497279 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.07 | 65.6 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497278 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.58 | 80.29 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497277 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.37 | 79.98 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497275 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.21 | 40.69 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497274 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.38 | 45.35 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497273 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.16 | 49.01 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497272 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.66 | 50.54 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497271 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.19 | 74.96 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497268 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.34 | 74.85 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497265 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.8 | 64.37 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497264 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.52 | 79.01 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497263 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 32.63 | 72.33 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497261 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 29.95 | 84.82 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497257 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.69 | 79.6 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497256 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.0 | 77.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497255 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.08 | 73.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497254 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.33 | 67.23 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497253 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 34.08 | 83.33 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497251 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.78 | 68.35 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497250 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.74 | 63.71 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497248 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 27.38 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497246 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.43 | 60.96 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497244 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.56 | 67.73 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497243 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.15 | 57.2 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497241 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.29 | 44.52 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497232 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.33 | 74.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497231 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.38 | 82.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497228 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.04 | 83.2 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497226 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.17 | 78.23 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497225 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.71 | 64.96 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497224 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.59 | 56.04 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497222 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.77 | 84.93 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497221 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 29.12 | 79.7 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497220 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.46 | 57.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497218 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.28 | 81.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497216 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.62 | 73.45 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497210 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.19 | 86.29 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497209 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 27.5 | 69.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497208 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 42.72 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497205 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.88 | 74.86 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497204 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.2 | 77.28 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497203 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.06 | 47.58 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497199 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.06 | 35.03 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497197 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.13 | 81.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497195 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.41 | 74.49 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497194 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.1 | 81.55 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497192 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.14 | 48.37 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497191 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 34.01 | 89.98 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497190 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.78 | 81.77 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497189 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.74 | 81.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497186 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.13 | 84.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497182 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.95 | 70.13 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497180 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.61 | 66.76 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497179 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.01 | 48.33 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497177 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.33 | 56.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497175 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.8 | 61.83 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497174 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.51 | 74.61 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497172 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.21 | 35.66 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497171 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.45 | 77.56 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497169 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.52 | 62.86 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497167 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.65 | 58.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497165 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.5 | 84.47 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497163 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.13 | 61.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497162 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.62 | 70.54 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497159 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.64 | 38.47 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497158 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.19 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497152 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.99 | 70.74 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497151 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.36 | 70.85 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497150 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.73 | 43.25 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497149 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 3.83 | 17.25 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497148 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.64 | 72.59 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497147 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.95 | 74.35 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497146 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 29.83 | 89.67 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497145 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.99 | 84.31 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497143 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.5 | 52.02 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497141 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.62 | 62.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497138 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.78 | 31.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497137 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.19 | 66.68 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497134 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.68 | 56.7 | $XXX | $XXX | .0544 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0544 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497131 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.37 | 51.19 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497130 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.35 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497129 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 44.44 | 71.68 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497127 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.13 | 74.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497126 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.81 | 64.62 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497123 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.9 | 81.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497122 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.26 | 74.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497120 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.34 | 79.93 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497119 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 31.54 | 59.04 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497117 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.35 | 68.67 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497115 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.84 | 77.78 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497114 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 35.69 | 76.75 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497113 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.52 | 71.13 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497112 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.87 | 45.64 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497109 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.21 | 36.44 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497107 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.95 | 62.96 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497106 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 34.48 | 83.73 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497104 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.56 | 80.58 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497103 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.97 | 87.55 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497096 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.35 | 70.7 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497094 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.87 | 84.71 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497092 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.5 | 17.56 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497090 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.67 | 60.15 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497089 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.03 | 76.7 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497087 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.53 | 82.37 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497086 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.57 | 60.63 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497085 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.31 | 66.28 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497084 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.32 | 76.85 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497083 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.57 | 84.16 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497081 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.6 | 73.52 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497080 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.54 | 50.28 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497079 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.82 | 72.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497078 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.91 | 52.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497076 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.13 | 44.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497074 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.83 | 81.82 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497070 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.88 | 44.65 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497069 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.85 | 71.07 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497066 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.23 | 58.77 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497065 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.48 | 78.15 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497064 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.67 | 52.64 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497062 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.62 | 79.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497061 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.31 | 52.51 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497059 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.97 | 67.15 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497058 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.59 | 57.56 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497057 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.31 | 58.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497054 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.21 | 75.11 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497053 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.7 | 73.21 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497052 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.94 | 60.1 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497051 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.82 | 62.37 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497049 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.22 | 57.48 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497046 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.77 | 66.37 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497043 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.64 | 61.5 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497041 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.15 | 66.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497040 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.0 | 74.65 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497039 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.86 | 62.58 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497035 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.73 | 59.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497033 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.52 | 21.05 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497032 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.69 | 59.96 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497031 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.2 | 74.44 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497028 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.68 | 79.3 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497027 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.93 | 69.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304497025 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.2 | 54.63 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497023 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.89 | 82.66 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497020 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.65 | 78.19 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497018 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 33.45 | 74.77 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497016 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.33 | 43.17 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497015 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.32 | 78.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497014 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.81 | 74.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497012 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.33 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497011 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.02 | 69.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497009 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 33.9 | 83.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497007 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.95 | 74.96 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497006 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.04 | 64.62 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497005 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.34 | 49.67 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497004 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 6.73 | 84.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| XXXXX | XXXXX | 304497003 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.91 | 33.68 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497002 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.6 | 79.78 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496999 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.95 | 60.86 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496998 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.15 | 51.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496997 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.35 | 74.97 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496996 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.53 | 56.69 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496995 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.57 | 72.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| XXXXX | XXXXX | 304496993 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.85 | 59.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496992 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.56 | 69.6 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496990 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.63 | 73.1 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496987 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.28 | 48.63 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496986 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.96 | 55.19 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496985 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.8 | 56.74 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496984 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.31 | 67.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496983 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.16 | 85.02 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496982 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.72 | 68.96 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496981 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.67 | 76.54 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496978 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.57 | 81.83 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496977 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.67 | 70.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496976 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.22 | 84.58 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496975 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.81 | 69.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496974 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.63 | 48.28 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496973 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 30.48 | 79.68 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496970 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.31 | 56.09 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496969 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.87 | 59.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496968 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.28 | 67.66 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496962 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.24 | 48.34 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496960 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.0 | 43.23 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496959 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 40.75 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496958 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.32 | 59.43 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496956 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.79 | 64.06 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496954 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.36 | 58.4 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496950 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.81 | 73.34 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496949 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.16 | 71.66 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496948 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 29.37 | 84.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| XXXXX | XXXXX | 304496945 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.95 | 67.67 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496943 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.96 | 67.34 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496942 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.0 | 71.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| XXXXX | XXXXX | 304496940 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.35 | 56.93 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496938 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.21 | 60.64 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496935 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.2 | 55.36 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496933 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.57 | 38.48 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496932 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.3 | 52.24 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496930 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.74 | 89.27 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496929 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.33 | 70.79 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496928 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.33 | 70.46 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496927 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 35.9 | 73.04 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496926 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.04 | 74.12 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496925 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 39.5 | 72.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496924 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.87 | 89.86 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496923 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.5 | 60.14 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496921 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.49 | 72.73 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496919 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.78 | 62.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496918 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.5 | 29.38 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496917 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.04 | 62.96 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496915 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.86 | 66.2 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496914 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.24 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496912 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 31.57 | 84.77 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496910 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.29 | 75.4 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496909 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.42 | 71.78 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496908 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.28 | 79.81 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496903 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 36.99 | 73.98 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496902 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.48 | 44.41 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496900 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 42.02 | 89.11 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496899 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.83 | 53.52 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496897 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.52 | 26.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496896 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.0 | 63.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496895 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.31 | 41.25 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496891 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.47 | 79.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496889 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.64 | 58.02 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496888 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.53 | 63.35 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496887 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.86 | 42.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496886 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.64 | 66.79 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496884 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.44 | 79.73 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496883 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.03 | 59.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496882 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.97 | 68.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496881 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.94 | 67.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496877 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.37 | 38.03 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496876 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.7 | 43.97 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496873 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 32.88 | 88.2 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496872 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.52 | 42.61 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496870 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.78 | 76.58 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496869 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.32 | 67.76 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496868 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.72 | 58.21 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496866 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.96 | 72.55 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496865 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.01 | 59.38 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496864 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.17 | 71.76 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496863 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.13 | 68.59 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496861 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 27.53 | 64.16 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496860 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.85 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496859 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.86 | 78.61 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496858 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.84 | 74.81 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496857 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.84 | 58.52 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496856 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.66 | 53.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496853 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.08 | 75.93 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496851 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.47 | 72.3 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496850 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.31 | 74.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496849 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.08 | 21.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496848 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.53 | 74.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496847 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.13 | 35.32 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496846 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.98 | 63.98 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496843 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.74 | 61.02 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496841 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.14 | 84.64 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496840 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.43 | 47.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496839 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.59 | 40.43 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496836 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.34 | 64.65 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496835 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.0 | 42.36 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496834 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 37.69 | 67.67 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496833 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.12 | 69.8 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496832 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.15 | 69.81 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496831 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.68 | 59.23 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496830 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.55 | 69.42 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496826 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.58 | 61.46 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496824 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.91 | 63.46 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496822 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.28 | 63.04 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496821 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.26 | 79.98 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496820 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.82 | 68.4 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496819 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.44 | 66.3 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496817 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.27 | 72.09 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496816 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.05 | 78.72 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496815 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.56 | 58.4 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496813 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.68 | 74.34 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496812 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.04 | 35.58 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496811 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.05 | 73.17 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496808 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.42 | 66.25 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496807 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.39 | 44.21 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496806 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.32 | 69.12 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496804 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.49 | 79.75 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496803 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.88 | 84.67 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496801 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.04 | 62.27 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496799 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.18 | 68.98 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496797 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.86 | 64.69 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496793 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.83 | 47.12 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496791 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.75 | 47.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496790 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.8 | 68.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496789 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.41 | 59.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496788 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.43 | 69.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496786 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.36 | 55.22 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496783 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.23 | 59.16 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496782 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.66 | 64.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496781 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.33 | 77.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496779 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.01 | 78.27 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496778 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.04 | 51.39 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496777 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.17 | 74.32 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496776 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.25 | 65.09 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496775 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.03 | 72.21 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496774 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.93 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496772 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 30.43 | 78.32 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496771 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.23 | 81.46 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496767 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.96 | 64.03 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496766 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.5 | 59.18 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496763 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.02 | 58.4 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496762 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.52 | 47.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496759 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.59 | 56.73 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496758 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.54 | 74.25 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496756 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.08 | 81.14 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496753 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.09 | 45.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496751 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.02 | 60.06 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496750 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 48.59 | 83.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496749 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.11 | 72.85 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496748 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.08 | 89.47 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496747 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.73 | 48.49 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496746 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.16 | 63.46 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496743 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.58 | 77.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496742 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.84 | 74.7 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496740 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.06 | 74.4 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496737 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.49 | 64.39 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496736 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.77 | 80.29 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496734 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.12 | 81.2 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496733 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.12 | 79.19 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496732 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.02 | 55.74 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496731 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.66 | 66.34 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496730 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.88 | 56.3 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496727 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.13 | 50.86 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496726 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.65 | 47.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496725 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.58 | 64.71 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496724 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.48 | 66.93 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496723 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 35.97 | 76.71 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496722 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.59 | 46.65 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496721 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.04 | 75.56 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496720 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.5 | 45.42 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304471958 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 30.53 | 75.97 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436574 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.3 | 70.14 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441736 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.0 | 47.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| XXXXX | XXXXX | 304323234 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.68 | 58.52 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304385295 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.53 | 51.49 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304398425 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.46 | 71.55 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304337583 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.34 | 32.35 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304353873 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.3 | 52.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304356582 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.13 | 71.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304357066 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.69 | 61.41 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304363505 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.14 | 53.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304363653 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.97 | 75.55 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304364683 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.83 | 84.44 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304368525 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.41 | 50.22 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304369744 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.05 | 29.21 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304369554 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.5 | 74.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304477559 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 26.93 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304489935 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 21.14 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304490216 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 29.15 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304490247 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 21.67 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304490246 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 25.4 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304490245 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 27.59 | 74.48 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304490215 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 22.39 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304497421 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.19 | 84.83 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304373299 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.5 | 56.28 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304396483 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.81 | 79.34 | $XXX | $XXX | -.0943 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0943 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| XXXXX | XXXXX | 304388609 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.05 | 71.54 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304378950 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.98 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304419368 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.32 | 69.39 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304379780 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.69 | 84.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304380626 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 27.99 | 89.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304393167 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.33 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304380988 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 36.43 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| XXXXX | XXXXX | 304381579 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.1 | 82.63 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304381616 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 31.43 | 35.33 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304396704 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.56 | 66.81 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304382793 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.36 | 73.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304382067 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.16 | 66.46 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304398355 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.73 | 89.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304382849 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 18.17 | 48.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304382774 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.71 | 70.11 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304384719 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.39 | 44.65 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304384963 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.14 | 35.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304384955 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.56 | 66.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304385163 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.6 | 54.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304386610 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 39.76 | 67.49 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304385218 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.3 | 69.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304385462 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.94 | 73.42 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304385461 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.3 | 73.4 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304386994 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.47 | 65.97 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304386608 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.62 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436653 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.12 | 74.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| XXXXX | XXXXX | 304387085 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.37 | 55.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304386545 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.11 | 55.37 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438497 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.44 | 83.53 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304386604 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.35 | 68.81 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304387125 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.29 | 70.35 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304388447 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 10.43 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304388020 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.61 | 58.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304387874 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.88 | 52.75 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304393766 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.61 | 31.03 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304391160 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.49 | 74.96 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304388047 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.29 | 86.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304439346 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.61 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304388472 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.4 | 66.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304390601 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.67 | 81.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| XXXXX | XXXXX | 304391009 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.49 | 82.47 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304396311 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.17 | 62.76 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304393346 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.26 | 83.28 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304393765 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.23 | 61.09 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304391218 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.89 | 47.97 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304392182 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.05 | 89.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304391214 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.5 | 47.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| XXXXX | XXXXX | 304391786 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.71 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304391866 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.32 | 32.97 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304392125 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.29 | 68.13 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304396481 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.78 | 64.25 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304392121 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.15 | 65.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304393165 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.34 | 63.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304393027 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.35 | 83.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304392613 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.66 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304392611 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.1 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304393101 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.07 | 74.54 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304393112 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.12 | 56.86 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304419521 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.3 | 61.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| XXXXX | XXXXX | 304393025 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.33 | 66.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304393031 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.32 | 66.27 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304393752 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.69 | 65.45 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304393190 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.96 | 24.22 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304393344 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.66 | 54.21 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304398654 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.58 | 74.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304393763 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.14 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304393749 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.9 | 78.65 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304398869 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 23.58 | 72.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304398255 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.55 | 68.79 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436364 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 16.2 | 79.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304396771 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.8 | 79.8 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304396700 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.72 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304396768 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.34 | 82.37 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304396767 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.12 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304397830 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.22 | 58.12 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304398044 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.32 | 72.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304419330 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.33 | 80.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| XXXXX | XXXXX | 304397928 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 4.72 | 61.32 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304397995 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 33.86 | 89.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| XXXXX | XXXXX | 304398685 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.52 | 60.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| XXXXX | XXXXX | 304398203 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.43 | 65.75 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304398099 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.97 | 74.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304417677 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 39.44 | 79.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304400624 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.51 | 77.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304398848 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.62 | 49.71 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304398652 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.15 | 52.96 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304400621 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.05 | 48.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| XXXXX | XXXXX | 304401238 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.9 | 73.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| XXXXX | XXXXX | 304420323 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.89 | 66.09 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304399513 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.81 | 84.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304400672 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.45 | 66.06 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304400713 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.88 | 38.71 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304401027 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.43 | 74.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| XXXXX | XXXXX | 304401236 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.43 | 67.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418740 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.61 | 61.42 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304437854 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.64 | 66.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304426790 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.84 | 53.02 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425701 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.23 | 61.58 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304405059 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.79 | 56.75 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304401323 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.16 | 47.65 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304401321 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.57 | 62.5 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304402749 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.21 | 26.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304402748 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.31 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304402747 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.45 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304405735 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.49 | 59.77 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304417676 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.84 | 82.04 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304402765 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.43 | 67.14 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304405655 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.5 | 45.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304405654 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.08 | 84.83 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422584 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.57 | 79.46 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304415851 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.89 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304405575 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.8 | 47.56 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304426440 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.56 | 83.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304405646 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.39 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| XXXXX | XXXXX | 304436542 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.39 | 59.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304405642 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.46 | 58.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304405640 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.46 | 73.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304416378 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.58 | 70.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304418919 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.32 | 57.69 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304417059 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.14 | 63.36 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420995 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.22 | 46.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418710 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.9 | 63.52 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304415934 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.5 | 73.1 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418487 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.17 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| XXXXX | XXXXX | 304419037 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.6 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304416504 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.12 | 83.39 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304417159 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.45 | 68.48 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304417268 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 29.9 | 39.33 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304392133 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.6 | 46.17 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304417838 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.15 | 82.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304417055 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 28.99 | 63.6 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420994 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.82 | 78.97 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422583 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.39 | 77.01 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418095 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.31 | 44.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304417831 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.8 | 78.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304417835 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.39 | 77.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |
| XXXXX | XXXXX | 304422968 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.43 | 78.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| XXXXX | XXXXX | 304417834 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.11 | 60.69 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418485 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.24 | 85.82 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418708 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 16.64 | 74.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304419034 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.15 | 63.85 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418578 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.13 | 68.65 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418575 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.92 | 44.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420993 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.18 | 66.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| XXXXX | XXXXX | 304418707 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.07 | 78.81 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418574 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.84 | 66.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418571 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 27.08 | 83.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 304418569 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 4.49 | 26.08 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418568 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.33 | 69.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304419126 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.68 | 66.74 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420427 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.8 | 77.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 304420139 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.1 | 47.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418825 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.71 | 61.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304419125 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.64 | 78.71 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418824 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.26 | 60.35 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418929 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.48 | 61.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304419519 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.47 | 68.74 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304419020 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.82 | 60.64 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304419029 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.18 | 74.82 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304419028 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.85 | 72.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304419115 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.7 | 42.37 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420444 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.57 | 69.39 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420514 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.07 | 75.08 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420643 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.15 | 45.01 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304391008 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 30.31 | 73.86 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420989 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.75 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425889 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 12.83 | 81.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304420744 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.03 | 41.85 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304423562 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 27.13 | 79.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425167 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.55 | 43.13 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420426 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.08 | 58.51 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420513 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 49.37 | 79.48 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420442 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.65 | 68.98 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420849 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.7 | 84.56 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422582 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.47 | 60.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| XXXXX | XXXXX | 304422950 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.22 | 69.11 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420985 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 8.74 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304420640 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.31 | 55.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420639 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.65 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| XXXXX | XXXXX | 304420741 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.66 | 77.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304420739 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 3.03 | 13.55 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422398 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.13 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420848 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.8 | 81.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304459805 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.6 | 74.38 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420979 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.55 | 72.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420975 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.93 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420973 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.29 | 61.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420972 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.35 | 53.55 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422861 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.84 | 79.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422397 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.56 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422647 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.79 | 64.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422395 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.39 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304405650 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.53 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428914 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 47.81 | 77.4 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422488 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 34.36 | 72.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428913 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.87 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422555 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.65 | 78.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304423754 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.97 | 78.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422552 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.79 | 61.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422857 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.21 | 74.97 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425188 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.81 | 55.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| XXXXX | XXXXX | 304432775 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.45 | 63.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304423683 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.0 | 68.6 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422984 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.42 | 86.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| XXXXX | XXXXX | 304423561 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.04 | 84.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422982 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.0 | 39.93 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422981 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.67 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304423686 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.25 | 61.37 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304426692 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.31 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425187 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.63 | 32.06 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304429119 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 32.93 | 52.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| XXXXX | XXXXX | 304423681 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 39.09 | 81.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425118 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.14 | 57.06 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425700 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.99 | 63.53 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304423749 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.57 | 73.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| XXXXX | XXXXX | 304423747 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.16 | 40.8 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425059 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.62 | 72.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304437970 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.73 | 63.05 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304423745 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.19 | 55.35 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304427792 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.56 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425117 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.74 | 73.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304426217 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.4 | 49.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425125 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.49 | 69.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425166 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.11 | 84.55 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425116 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.53 | 64.4 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432220 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.26 | 84.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 304425115 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.64 | 79.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304425182 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.86 | 16.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425177 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.05 | 69.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425175 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.47 | 57.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304433063 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.44 | 43.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304427020 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.42 | 74.68 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425272 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.28 | 58.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304425888 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.63 | 77.73 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425169 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.72 | 44.1 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304427019 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.26 | 23.54 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425271 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.23 | 65.43 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425602 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 39.13 | 45.65 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425751 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.64 | 71.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| XXXXX | XXXXX | 304432219 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.06 | 66.85 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304437963 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.81 | 70.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428911 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.84 | 78.16 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304426201 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.0 | 60.44 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425269 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.92 | 61.45 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304427018 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.76 | 75.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| XXXXX | XXXXX | 304425750 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.9 | 69.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428173 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.45 | 68.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |  |
| XXXXX | XXXXX | 304429178 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 29.4 | 69.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304425749 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.35 | 68.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425748 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 6.96 | 48.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304427467 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.81 | 73.06 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425886 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.15 | 54.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304426361 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.33 | 84.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| XXXXX | XXXXX | 304429177 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.58 | 44.37 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304426216 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.86 | 68.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304427790 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.74 | 47.77 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304426358 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.57 | 49.31 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304426691 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.92 | 31.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432293 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 29.17 | 78.98 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428171 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.39 | 58.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304426435 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.29 | 46.42 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304437883 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 27.19 | 74.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| XXXXX | XXXXX | 304429018 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.83 | 75.67 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304427015 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.13 | 59.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432218 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.24 | 88.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304429727 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.8 | 75.11 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304427454 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.3 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304432511 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 29.37 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428910 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.38 | 79.47 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304427009 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.51 | 67.33 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428170 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.89 | 54.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442638 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.0 | 68.4 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304427789 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.62 | 82.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| XXXXX | XXXXX | 304428169 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.64 | 82.82 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304427464 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.75 | 71.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| XXXXX | XXXXX | 304427786 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.16 | 48.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304427785 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.85 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| XXXXX | XXXXX | 304428906 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.06 | 73.51 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428905 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.89 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428168 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.52 | 56.25 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304435441 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 10.03 | 36.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436082 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.14 | 17.3 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428167 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.28 | 35.17 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428184 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.76 | 74.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436419 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.55 | 69.07 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428757 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.14 | 83.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304436362 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.54 | 45.24 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428836 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 11.11 | 70.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| XXXXX | XXXXX | 304436317 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.09 | 66.2 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458225 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.73 | 62.27 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428835 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.47 | 37.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428834 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.35 | 55.13 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428904 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 28.4 | 74.48 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304429118 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.43 | 54.8 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432234 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.55 | 84.63 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428897 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.93 | 50.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304432217 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.33 | 67.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428895 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.23 | 78.25 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428894 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.86 | 30.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304435440 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.86 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304433128 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.35 | 73.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304429103 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.69 | 76.36 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304440020 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.39 | 53.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304429117 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.53 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304429128 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.27 | 77.15 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432932 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.81 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304431548 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.39 | 74.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304429168 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.06 | 64.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304429724 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.82 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432216 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.24 | 73.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432399 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.97 | 67.66 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442459 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.22 | 77.67 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304429723 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.8 | 67.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304431546 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.02 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432581 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 32.58 | 79.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432231 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.17 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432292 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.17 | 38.2 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432398 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.09 | 71.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| XXXXX | XXXXX | 304432244 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.15 | 74.86 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304437851 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.13 | 63.33 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432291 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.23 | 53.54 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432290 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.29 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432288 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.66 | 72.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432509 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.69 | 82.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432930 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.57 | 68.65 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432507 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.54 | 84.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436530 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.96 | 74.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304433127 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.48 | 72.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 304437472 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.02 | 83.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432721 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.18 | 69.66 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432879 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.92 | 74.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |  |
| XXXXX | XXXXX | 304432719 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.09 | 46.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432944 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 2.59 | 43.43 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436529 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.82 | 53.15 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432877 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.73 | 28.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304457468 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.16 | 37.2 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432940 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.41 | 80.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304436316 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.45 | 84.31 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436315 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.1 | 64.54 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304435424 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.19 | 65.68 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304433125 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.15 | 63.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304435439 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.76 | 54.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304436079 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.15 | 75.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |  |
| XXXXX | XXXXX | 304436298 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.65 | 74.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304436313 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 28.39 | 62.13 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436312 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.44 | 66.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441630 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.87 | 62.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436355 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.25 | 74.23 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436354 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 27.84 | 60.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436418 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.34 | 48.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443058 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.02 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436578 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.14 | 64.21 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436444 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.53 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436461 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.32 | 76.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | XXXXX | 304436540 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.19 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438493 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.93 | 62.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304468379 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 39.22 | 76.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| XXXXX | XXXXX | 304436576 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.53 | 89.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304436640 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 34.31 | 89.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304436639 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 5.25 | 45.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304437709 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.82 | 84.25 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436652 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.4 | 79.57 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436721 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 12.66 | 63.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436637 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.45 | 64.33 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304437020 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.99 | 74.18 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436650 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.91 | 52.28 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436649 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 7.7 | 89.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| XXXXX | XXXXX | 304436728 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.4 | 66.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436827 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.53 | 65.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304437364 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.15 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436826 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.42 | 73.14 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436899 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.37 | 47.09 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443255 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.09 | 61.27 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304437424 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.5 | 84.77 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304437440 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.2 | 55.45 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304437439 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.91 | 89.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| XXXXX | XXXXX | 304437470 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.65 | 60.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304437850 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.84 | 41.83 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304437467 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 39.13 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458224 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 31.14 | 82.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304437707 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.61 | 43.51 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304437532 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.75 | 84.86 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304467084 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 12.6 | 75.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |  |
| XXXXX | XXXXX | 304438490 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 4.77 | 40.02 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442401 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.24 | 56.38 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304439218 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.88 | 60.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| XXXXX | XXXXX | 304437804 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.36 | 69.97 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304439342 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.7 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304437848 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.23 | 57.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438489 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.0 | 66.42 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304456440 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 7.53 | 86.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304437951 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.72 | 75.79 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438486 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.02 | 63.17 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438484 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.94 | 66.79 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438481 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.14 | 69.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442973 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.57 | 35.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304443240 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.4 | 86.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| XXXXX | XXXXX | 304443996 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.75 | 64.78 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438465 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 28.1 | 52.23 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438462 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.07 | 74.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304440099 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.68 | 67.02 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442677 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.21 | 73.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| XXXXX | XXXXX | 304444770 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.49 | 88.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438455 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.24 | 40.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438454 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.62 | 79.8 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441646 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.19 | 72.58 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304439182 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.22 | 75.77 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438453 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.51 | 66.39 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438451 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.98 | 45.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438450 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.59 | 51.16 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442971 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.87 | 84.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| XXXXX | XXXXX | 304440098 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 4.52 | 82.27 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438445 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.21 | 52.46 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438444 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.16 | 76.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438442 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 9.01 | 70.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438441 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.01 | 80.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304439272 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.92 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438611 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.36 | 37.57 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438663 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.26 | 37.44 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304439180 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.0 | 74.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304438657 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.04 | 58.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304439178 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.34 | 65.85 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304440097 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.66 | 81.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304439339 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.91 | 81.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304439216 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.35 | 69.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442400 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.83 | 40.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304462109 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.03 | 83.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304440017 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.46 | 56.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304439336 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.65 | 68.24 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441490 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.93 | 72.69 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441627 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.86 | 71.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304443156 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.77 | 66.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304440012 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 39.21 | 63.79 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304440095 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.02 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304440264 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.74 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304440092 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.87 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304440263 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.22 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304440262 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.56 | 78.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304440261 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.87 | 82.56 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441827 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.77 | 53.71 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441483 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.2 | 72.83 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441482 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.75 | 68.35 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441487 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.92 | 58.44 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443479 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.37 | 47.82 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441624 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.46 | 47.56 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441621 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.87 | 84.85 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441826 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.8 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441642 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.12 | 66.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441792 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 38.07 | 65.69 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441721 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.53 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304477471 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.76 | 71.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304461906 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.32 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| XXXXX | XXXXX | 304441841 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.65 | 73.48 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458595 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.91 | 64.28 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441840 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.44 | 74.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442399 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.2 | 89.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304442398 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.86 | 67.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 |  |
| XXXXX | XXXXX | 304442397 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 28.85 | 74.47 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304457477 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.36 | 74.13 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441824 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.94 | 74.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441838 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.95 | 42.28 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441837 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.33 | 42.72 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441927 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.81 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442457 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.7 | 63.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442392 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.36 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304457476 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.78 | 79.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| XXXXX | XXXXX | 304470000 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.89 | 72.62 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442382 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 41.84 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443568 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.21 | 69.27 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442454 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.82 | 50.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443155 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.56 | 62.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442635 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.07 | 52.53 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443478 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.04 | 32.06 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442633 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.91 | 62.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442448 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 28.8 | 78.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442674 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 12.37 | 32.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442969 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.24 | 82.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442673 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.99 | 84.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304454189 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.32 | 74.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443911 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.22 | 59.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443057 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.48 | 71.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443116 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.34 | 59.5 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443925 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 35.25 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443153 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 28.18 | 81.65 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443051 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.95 | 49.97 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443553 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 17.76 | 89.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304457376 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 28.14 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443113 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.89 | 38.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443130 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 27.1 | 84.81 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443239 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.85 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304444769 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.67 | 66.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443151 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.31 | 64.79 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443150 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.24 | 49.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304459803 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.39 | 89.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443567 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.91 | 48.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443552 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.03 | 89.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304456483 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.0 | 88.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| XXXXX | XXXXX | 304443551 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.27 | 54.83 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304456482 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.45 | 43.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443633 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.09 | 58.11 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443924 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.61 | 62.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304454313 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.22 | 50.68 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443909 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.91 | 67.71 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458221 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.49 | 67.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443993 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.42 | 83.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304443990 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.72 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304443989 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.41 | 70.63 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472527 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.37 | 59.97 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304454187 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.4 | 53.5 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304444766 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 28.53 | 84.66 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304456481 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.37 | 81.82 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304454186 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 3.81 | 38.56 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458301 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.22 | 69.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| XXXXX | XXXXX | 304454183 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.71 | 82.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| XXXXX | XXXXX | 304454311 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.79 | 72.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304457475 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.38 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304456437 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.63 | 58.1 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304456479 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.42 | 71.19 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458300 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.3 | 47.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458594 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.48 | 53.86 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458299 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.6 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458298 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.01 | 56.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458593 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 27.78 | 84.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304457466 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.67 | 79.51 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304457474 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.91 | 43.17 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304459231 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 36.01 | 83.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304459763 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 31.08 | 60.77 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458218 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 47.13 | 73.73 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304457947 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.24 | 78.83 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458217 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.65 | 64.3 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458216 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 27.59 | 56.36 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458215 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.87 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458279 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.05 | 66.77 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458212 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.2 | 59.31 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458210 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 18.64 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458207 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.01 | 71.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458205 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.02 | 62.15 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458204 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.5 | 73.43 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458203 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.77 | 71.02 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304459406 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.49 | 68.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458200 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.77 | 57.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481643 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.91 | 81.93 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458197 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.51 | 43.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458196 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.21 | 36.46 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304459101 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.57 | 73.82 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304458578 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.22 | 79.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304459008 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.97 | 58.05 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304460669 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.76 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304459007 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.75 | 43.62 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304459467 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.86 | 87.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304459098 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 27.36 | 75.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304459096 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.7 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304459366 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 4.78 | 45.75 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304459365 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.5 | 56.27 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304459802 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.33 | 73.75 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304462415 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.04 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304459470 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.85 | 30.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304461903 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.3 | 65.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304459532 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.47 | 74.47 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304459669 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 9.7 | 78.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304459665 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.48 | 61.26 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304467176 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.8 | 68.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| XXXXX | XXXXX | 304459664 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.85 | 70.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| XXXXX | XXXXX | 304473329 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.22 | 74.21 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304459801 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.27 | 82.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304468606 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.68 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304469979 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.5 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304462055 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.53 | 55.74 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304470236 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.63 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304467082 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.97 | 81.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304462106 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.41 | 71.27 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304462104 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.0 | 71.25 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304462341 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.81 | 61.25 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304466787 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.44 | 74.01 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304462458 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 6.86 | 84.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304462351 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.01 | 79.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492433 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.14 | 83.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304462412 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.41 | 63.09 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472776 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.69 | 52.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| XXXXX | XXXXX | 304476603 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 11.14 | 48.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304467605 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.23 | 73.46 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304466795 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.87 | 37.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304466785 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.93 | 79.15 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304466794 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.92 | 77.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304467081 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.74 | 89.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304469978 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.75 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304467080 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.85 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304468604 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.48 | 60.93 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304475071 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.54 | 69.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304470233 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.73 | 47.1 | $XXX | $XXX | .0036 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0036 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304482895 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.8 | 47.49 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304470225 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.76 | 71.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| XXXXX | XXXXX | 304470343 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.23 | 55.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| XXXXX | XXXXX | 304470342 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.38 | 76.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304498514 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.42 | 65.72 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472383 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 9.7 | 89.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304470220 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.02 | 67.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304470219 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.94 | 72.3 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304471098 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.03 | 78.82 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304672238 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 39.72 | 46.63 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472674 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.09 | 64.63 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304471856 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 4.32 | 86.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304470218 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 4.15 | 43.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 |  |
| XXXXX | XXXXX | 304470682 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.3 | 52.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492336 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.44 | 66.79 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481568 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.82 | 74.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304471508 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.89 | 41.09 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304471654 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 5.73 | 84.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304470876 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.31 | 72.43 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304471170 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.85 | 44.27 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304477174 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.83 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472342 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.72 | 76.67 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304471169 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 34.23 | 85.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304471854 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 38.23 | 71.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| XXXXX | XXXXX | 304472011 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.66 | 74.75 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304477464 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.6 | 77.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304471931 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.15 | 62.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304471738 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.65 | 64.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304471793 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.41 | 53.44 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304471791 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.48 | 85.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304472366 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 9.26 | 88.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304471939 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.39 | 74.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304477036 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.31 | 55.77 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472341 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.37 | 71.56 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304459011 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.79 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472022 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 29.18 | 68.31 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472308 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.96 | 72.48 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472010 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.53 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472306 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 39.68 | 67.59 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472304 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.3 | 69.52 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472340 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.14 | 25.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472364 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.36 | 53.01 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472362 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.57 | 31.55 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472381 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.96 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472416 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.54 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472520 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.39 | 66.57 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304462416 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 5.84 | 89.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| XXXXX | XXXXX | 304477530 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.22 | 50.34 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304493140 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.58 | 71.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472516 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.0 | 57.11 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472514 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.55 | 64.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304473762 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.78 | 54.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304473726 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.09 | 47.11 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304480821 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 7.08 | 75.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304474212 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.43 | 84.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304490558 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.64 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472760 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 8.52 | 85.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |  |
| XXXXX | XXXXX | 304473327 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.04 | 60.69 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304472772 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.96 | 60.83 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481696 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.06 | 76.74 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304477094 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.31 | 70.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304475050 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.93 | 47.75 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304473667 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.94 | 58.31 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304473666 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.84 | 66.98 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304473731 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.04 | 66.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304473729 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.44 | 82.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304475009 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 4.71 | 33.01 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304475112 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.0 | 33.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304474221 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.83 | 57.93 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304475188 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.59 | 58.96 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304475095 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.41 | 59.03 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304475047 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.98 | 74.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304494075 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.85 | 84.24 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304475046 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.29 | 53.05 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304475085 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.81 | 68.45 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304477093 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.94 | 64.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304476583 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 27.91 | 70.86 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304475186 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.59 | 79.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481642 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.58 | 64.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304481257 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.92 | 38.56 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304493044 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.4 | 87.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |  |
| XXXXX | XXXXX | 304477032 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.58 | 81.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304476599 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.95 | 86.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492848 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 48.31 | 74.26 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304477165 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.05 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| XXXXX | XXXXX | 304477162 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.17 | 74.4 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304477229 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 34.96 | 84.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304477202 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 17.8 | 70.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304477463 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.24 | 61.23 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304477470 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 34.19 | 87.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304477228 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 33.13 | 71.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304477227 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.44 | 83.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304481306 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.67 | 64.97 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304442632 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.38 | 74.52 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486930 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.25 | 45.68 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304485276 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.56 | 71.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632139 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.52 | 82.4 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304477469 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.29 | 49.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497414 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.43 | 76.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481321 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.5 | 73.14 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304477644 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.12 | 58.54 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304480860 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.62 | 73.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304480819 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.71 | 64.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | XXXXX | 304480818 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.63 | 80.44 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481433 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 4.75 | 63.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304480859 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.33 | 46.14 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304480921 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.04 | 51.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304480858 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.95 | 60.53 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481328 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.98 | 74.76 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304480919 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.8 | 56.72 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304480916 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 31.69 | 60.19 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304480906 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.74 | 31.03 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304480904 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.07 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481738 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.78 | 45.08 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304480900 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.74 | 73.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| XXXXX | XXXXX | 304480898 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.56 | 73.81 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304480897 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.47 | 68.72 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304482893 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.03 | 77.35 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481362 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.68 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| XXXXX | XXXXX | 304481247 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.85 | 82.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481248 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.45 | 70.54 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304483093 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.68 | 75.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| XXXXX | XXXXX | 304481246 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 9.44 | 40.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481304 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.51 | 54.14 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481244 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.69 | 45.68 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481243 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 31.58 | 79.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304491987 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.53 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304481319 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.43 | 84.45 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481303 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.84 | 86.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| XXXXX | XXXXX | 304481327 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.58 | 68.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481326 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 9.83 | 89.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304481316 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.5 | 33.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481360 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.22 | 71.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481694 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.54 | 66.34 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481372 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 28.57 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481422 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.5 | 88.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| XXXXX | XXXXX | 304486929 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.48 | 49.3 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304480820 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 29.93 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481411 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.85 | 61.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481410 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.52 | 58.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481409 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.33 | 74.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481425 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.73 | 68.55 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481432 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.74 | 72.65 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481466 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.62 | 52.07 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481567 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.31 | 84.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304489934 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 39.8 | 43.34 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481566 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.29 | 84.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481461 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.28 | 84.22 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481541 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.84 | 50.14 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481460 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.82 | 74.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481637 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.94 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |  |
| XXXXX | XXXXX | 304481563 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.92 | 63.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481562 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.82 | 38.16 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481651 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.38 | 65.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| XXXXX | XXXXX | 304482892 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.44 | 50.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304493948 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.48 | 81.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| XXXXX | XXXXX | 304419520 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.88 | 69.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481627 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.47 | 65.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304439345 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.27 | 74.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481641 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.64 | 50.29 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486597 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.0 | 57.23 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304482891 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.88 | 78.19 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304482890 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.0 | 89.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492442 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 10.45 | 63.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481719 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.0 | 54.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481744 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.67 | 41.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304482022 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.02 | 71.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496664 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.0 | 60.16 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304482889 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.11 | 71.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304482888 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.57 | 61.34 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304481745 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.22 | 62.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304483091 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 9.42 | 89.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| XXXXX | XXXXX | 304482883 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 29.0 | 52.24 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304482882 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.81 | 84.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304482927 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 28.12 | 78.01 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304482879 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.64 | 78.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304482878 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 4.99 | 22.06 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304482875 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.81 | 54.54 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495195 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.76 | 39.01 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486595 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.42 | 76.85 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304482869 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 2.96 | 26.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492425 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.1 | 63.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304482864 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.03 | 62.77 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490556 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.61 | 53.45 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304482861 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.77 | 68.62 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304482924 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.69 | 48.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304483090 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.31 | 50.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304483087 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.51 | 54.23 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304483511 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.82 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | XXXXX | 304492335 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.63 | 41.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304483106 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.31 | 48.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492334 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.21 | 72.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304483534 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.58 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304484522 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.32 | 83.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304486056 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.58 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304484894 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 13.74 | 46.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304485147 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 28.98 | 70.35 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304485291 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.77 | 79.33 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486011 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.15 | 66.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304485290 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.81 | 40.83 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304485289 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.86 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304485288 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.46 | 66.64 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632596 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.05 | 54.16 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486009 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.21 | 72.16 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486927 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.94 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486054 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.08 | 74.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304487997 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 28.97 | 52.29 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486605 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.5 | 59.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486068 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.25 | 62.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486067 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.26 | 71.79 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486066 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.74 | 78.83 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486578 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.82 | 57.43 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486386 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.57 | 34.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304487899 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.53 | 61.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304487616 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.98 | 77.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486575 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.12 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486591 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.16 | 74.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486925 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.22 | 71.01 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486924 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.61 | 61.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486922 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.08 | 63.1 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304486921 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.28 | 71.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304487892 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.25 | 47.51 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304493042 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.78 | 74.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304487897 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.94 | 79.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492683 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.66 | 67.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304487906 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.09 | 80.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492612 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.88 | 64.46 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304487995 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.54 | 49.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637157 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.5 | 52.6 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304487993 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.98 | 58.45 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304489931 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.5 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492563 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.01 | 66.1 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490552 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 27.76 | 73.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490465 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 31.32 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490228 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.88 | 71.85 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490551 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.79 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304490463 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.13 | 47.98 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490482 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.36 | 74.28 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490547 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.14 | 44.41 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490546 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.32 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495091 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 27.09 | 59.66 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496663 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 29.51 | 84.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304490542 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.26 | 89.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490541 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.27 | 76.51 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490538 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.84 | 62.01 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490537 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.22 | 71.35 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490534 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 4.0 | 50.64 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304552709 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.92 | 52.65 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492243 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.4 | 72.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490533 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.67 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490531 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 34.52 | 70.45 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492682 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 30.97 | 81.55 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304493138 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.93 | 55.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490530 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.16 | 59.59 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492550 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.16 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| XXXXX | XXXXX | 304490524 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.47 | 74.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492666 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.93 | 54.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304494286 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.11 | 56.71 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304491983 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.54 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304494031 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.42 | 57.83 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304493559 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.37 | 79.63 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304494155 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.62 | 63.46 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492079 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.81 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304494154 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.07 | 58.49 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492259 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.42 | 65.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492257 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.6 | 83.27 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492329 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.37 | 67.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| XXXXX | XXXXX | 304492328 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.91 | 84.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304492327 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 29.21 | 67.39 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492326 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.34 | 58.21 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492323 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.64 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492321 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.7 | 53.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492532 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.36 | 74.02 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304494074 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.31 | 74.2 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492423 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 31.02 | 74.76 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492417 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.9 | 74.19 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492549 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.61 | 52.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492694 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.11 | 45.97 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492547 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.34 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492681 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.37 | 24.28 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492546 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.53 | 47.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492560 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.62 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492610 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 4.77 | 74.78 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492608 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.96 | 53.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492680 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.69 | 73.25 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492665 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.76 | 67.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492663 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.62 | 57.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304493041 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.25 | 45.74 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510696 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.4 | 68.46 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304493137 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.26 | 41.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304493040 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.44 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495090 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.89 | 58.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304477160 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 28.17 | 66.6 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495089 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.71 | 57.49 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495193 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.96 | 60.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| XXXXX | XXXXX | 304494026 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.94 | 79.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 |  |
| XXXXX | XXXXX | 304493036 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.84 | 56.33 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304493136 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.85 | 77.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304493034 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 27.77 | 65.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304493135 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.55 | 60.51 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304493557 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.77 | 76.31 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495088 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.08 | 72.72 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304493556 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 24.9 | 83.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495087 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.86 | 68.8 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304493826 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.55 | 70.21 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495192 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.59 | 53.31 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304493945 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.34 | 52.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304494070 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.99 | 61.7 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495085 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 32.12 | 84.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304494285 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 30.7 | 71.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495084 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.64 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495153 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.66 | 62.19 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304509934 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 9.76 | 50.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| XXXXX | XXXXX | 304498266 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.83 | 62.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495083 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.92 | 30.22 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304494388 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.36 | 31.23 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495075 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.65 | 83.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495072 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.14 | 51.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495068 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.82 | 79.23 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495152 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 46.2 | 84.53 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495066 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.24 | 69.86 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497787 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.35 | 74.97 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495059 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.99 | 45.27 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495058 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.52 | 71.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495057 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.22 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 304495056 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.89 | 19.27 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495055 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.48 | 43.53 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495053 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.96 | 44.02 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495052 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.07 | 50.69 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496659 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 30.96 | 61.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495046 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.14 | 74.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| XXXXX | XXXXX | 304495044 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.45 | 74.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495043 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.43 | 61.73 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495040 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.83 | 65.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632687 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.95 | 60.83 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495151 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.9 | 43.3 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495150 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.46 | 60.08 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510694 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.93 | 84.04 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497786 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.06 | 82.68 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495147 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.06 | 81.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495643 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.31 | 84.69 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497427 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.01 | 84.47 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495188 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.52 | 85.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304632024 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.86 | 56.58 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497413 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.42 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304495639 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.42 | 74.85 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304497412 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.53 | 79.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXXX | XXXXX | 304497406 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.91 | 81.6 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304498562 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.89 | 56.44 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637156 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.83 | 60.59 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632595 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.79 | 57.05 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304498263 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.24 | 51.73 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304498289 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.81 | 66.05 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304498561 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.69 | 26.81 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510357 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 35.17 | 64.22 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304498558 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 9.62 | 58.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| XXXXX | XXXXX | 304510355 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.44 | 79.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510784 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.77 | 61.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510353 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.79 | 62.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304510690 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.13 | 73.23 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510508 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.87 | 29.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510507 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.23 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510684 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.88 | 73.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304511537 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.23 | 74.79 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510679 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.8 | 60.73 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510669 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.03 | 77.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510668 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.65 | 71.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| XXXXX | XXXXX | 304510667 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.25 | 58.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510665 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.81 | 79.21 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510664 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.59 | 74.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510663 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 40.38 | 66.17 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510741 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.51 | 70.86 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632594 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.83 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510662 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 3.5 | 38.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304572211 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.39 | 48.02 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510752 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.72 | 78.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304510762 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.69 | 69.2 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304511707 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.15 | 70.24 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510970 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.22 | 73.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304512126 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.45 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304510987 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.39 | 76.7 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304511536 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.71 | 72.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304632706 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.32 | 68.54 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304552708 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.42 | 43.02 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304511485 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.01 | 61.5 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304511706 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.0 | 72.74 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304631380 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.34 | 69.35 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304635008 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.73 | 63.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304511484 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.58 | 69.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304634560 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.62 | 85.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| XXXXX | XXXXX | 304511712 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.88 | 58.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304511705 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 12.05 | 84.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 304631795 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.98 | 73.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632084 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.71 | 77.45 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304512124 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.67 | 79.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304632684 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.48 | 56.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304512122 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 38.59 | 68.84 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304592827 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.43 | 69.17 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304592821 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.06 | 26.96 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632065 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.04 | 36.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304552705 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 39.49 | 84.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304572071 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 12.85 | 74.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304592826 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 7.93 | 69.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| XXXXX | XXXXX | 304613720 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.27 | 74.24 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304613718 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.97 | 49.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632962 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 6.56 | 72.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| XXXXX | XXXXX | 304632022 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.85 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304631790 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.94 | 20.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632021 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.38 | 78.44 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304634442 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.8 | 74.01 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632019 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.23 | 77.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632063 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.13 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632137 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.02 | 71.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632282 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.99 | 64.4 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632683 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.33 | 68.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304632135 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.11 | 38.07 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632682 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.03 | 52.46 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632279 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.45 | 83.5 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304635464 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.08 | 29.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632497 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.71 | 70.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632496 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.34 | 46.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632767 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.41 | 28.96 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632677 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.58 | 64.26 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632675 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.83 | 61.78 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304634440 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.72 | 48.52 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632705 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.16 | 78.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| XXXXX | XXXXX | 304632672 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.22 | 66.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632669 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.69 | 71.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632663 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.8 | 74.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632658 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.82 | 65.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632657 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.07 | 54.52 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632654 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.62 | 37.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632784 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.95 | 74.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304642441 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.45 | 40.19 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304634679 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.72 | 47.79 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304636804 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.41 | 69.34 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632783 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.98 | 57.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632798 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.33 | 31.96 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632754 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.8 | 39.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632973 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 33.41 | 60.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304633045 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.08 | 69.53 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632797 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.65 | 25.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| XXXXX | XXXXX | 304635007 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.69 | 80.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| XXXXX | XXXXX | 304632796 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 3.87 | 41.62 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632934 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.73 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304633044 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.04 | 72.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| XXXXX | XXXXX | 304632959 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.35 | 83.83 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632967 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.16 | 52.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632971 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 27.28 | 74.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304633041 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.61 | 54.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304633474 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.12 | 84.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304635006 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.08 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304633473 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.17 | 59.15 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304633472 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.57 | 68.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304638535 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304634437 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.79 | 49.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304634436 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.19 | 49.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304634677 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.97 | 52.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304634556 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.96 | 59.68 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304635462 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.58 | 52.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| XXXXX | XXXXX | 304636757 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.87 | 83.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 |  |
| XXXXX | XXXXX | 304635062 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.47 | 53.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492562 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.31 | 74.7 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304636756 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.88 | 65.52 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304635893 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.76 | 61.92 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304635635 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.22 | 52.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304635461 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.11 | 73.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| XXXXX | XXXXX | 304636530 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 27.1 | 69.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304638659 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.16 | 66.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304636550 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.25 | 84.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304636352 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.94 | 65.18 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304636429 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.16 | 66.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304636427 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.16 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304636823 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.51 | 81.97 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637093 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.65 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304636822 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.83 | 85.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304636802 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.13 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304636567 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.64 | 57.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304638307 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.84 | 67.05 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637092 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.27 | 47.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304638614 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.95 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304636821 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.62 | 62.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637090 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.57 | 79.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304639843 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.78 | 79.93 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637154 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 30.38 | 70.34 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637153 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.87 | 69.77 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637166 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.15 | 76.1 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637165 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.23 | 56.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637578 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.84 | 59.63 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637577 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.98 | 42.03 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637575 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 5.92 | 68.71 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304639760 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.91 | 37.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637570 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.98 | 72.69 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637568 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.31 | 72.16 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637566 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.6 | 65.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637563 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.27 | 76.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637562 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.87 | 69.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637561 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.29 | 74.55 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637560 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 4.81 | 54.65 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304638301 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 28.62 | 59.04 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637651 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 30.77 | 37.86 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304638613 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.74 | 36.58 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304638542 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.14 | 40.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304639456 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.79 | 84.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637678 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.6 | 49.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304638300 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.36 | 84.97 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637885 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.16 | 72.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304639759 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.21 | 67.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304640115 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 7.88 | 45.83 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637884 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.22 | 74.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304638475 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.81 | 28.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304638540 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.7 | 27.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304638297 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.94 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304638611 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.98 | 54.45 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304639869 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.79 | 42.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304639042 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.67 | 42.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304638538 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.77 | 45.01 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304638609 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 3.86 | 77.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304638608 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.24 | 58.67 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304639988 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.21 | 25.93 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304640290 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.42 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304638993 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.51 | 75.2 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304638992 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.47 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304639041 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 33.43 | 73.26 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304638991 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.04 | 48.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304639658 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.73 | 79.79 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304639454 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.22 | 63.33 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304639940 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.65 | 69.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| XXXXX | XXXXX | 304643342 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.31 | 70.47 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304639987 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.74 | 60.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304640289 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.63 | 73.64 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304641826 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.12 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304639775 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.0 | 64.66 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304640113 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.25 | 84.91 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304639938 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.2 | 27.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304639936 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.38 | 49.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304639986 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.58 | 53.66 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304669751 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 32.47 | 88.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304640286 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.41 | 59.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |  |
| XXXXX | XXXXX | 304640281 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 7.16 | 74.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| XXXXX | XXXXX | 304640280 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.73 | 73.17 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304643399 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.3 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304641211 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.58 | 70.79 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304641825 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.82 | 86.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304641210 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.29 | 82.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304641209 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.68 | 20.3 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304641266 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.68 | 69.62 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304663723 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.46 | 52.89 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304641822 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.89 | 72.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304642554 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.22 | 75.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304643165 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.06 | 55.66 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304643097 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.1 | 81.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| XXXXX | XXXXX | 304663381 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.08 | 82.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304643146 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.1 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304643511 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 27.57 | 86.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |
| XXXXX | XXXXX | 304643142 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.35 | 62.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632970 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.69 | 84.48 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304643139 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.68 | 74.93 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304643138 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.6 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304643137 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.35 | 81.58 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304644282 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.59 | 74.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304643240 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 7.8 | 86.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| XXXXX | XXXXX | 304643340 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.36 | 69.75 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304643356 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.21 | 41.11 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304643339 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 32.53 | 63.87 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304664485 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 27.03 | 73.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| XXXXX | XXXXX | 304654688 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.69 | 76.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304654716 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.28 | 47.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304669750 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.88 | 79.46 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304664451 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.23 | 78.7 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304664612 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.87 | 82.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| XXXXX | XXXXX | 304664610 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.93 | 83.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304664606 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.84 | 69.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304664599 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 33.23 | 68.58 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304634681 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.51 | 66.34 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304667932 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.08 | 73.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304667931 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.68 | 79.93 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304668998 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.14 | 77.74 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304078884 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.38 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| XXXXX | XXXXX | 304476594 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.22 | 71.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304361463 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.5 | 64.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| XXXXX | XXXXX | 304364754 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.44 | 74.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304359288 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.45 | 68.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304361462 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 12.24 | 79.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| XXXXX | XXXXX | 304355845 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.08 | 70.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304354227 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.0 | 71.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| XXXXX | XXXXX | 304358641 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 20.82 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304363559 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.22 | 47.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304376254 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.55 | 55.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304384901 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.31 | 57.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304392166 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.78 | 69.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 304380698 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 12.64 | 72.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | XXXXX | 304382101 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.21 | 73.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| XXXXX | XXXXX | 304388055 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.48 | 73.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304385912 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.18 | 49.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| XXXXX | XXXXX | 304388008 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.74 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 304387008 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 29.79 | 74.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304386586 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.66 | 75.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| XXXXX | XXXXX | 304422541 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.83 | 76.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304401311 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.26 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304426376 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.85 | 79.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304443090 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 27.59 | 42.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXXXX | XXXXX | 304423689 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.37 | 56.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304471174 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.7 | 76.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | XXXXX | 304420524 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.29 | 45.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304422572 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.89 | 60.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| XXXXX | XXXXX | 304424111 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.72 | 79.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304423718 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.66 | 66.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304462270 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.83 | 88.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| XXXXX | XXXXX | 304440306 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 5.08 | 47.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| XXXXX | XXXXX | 304437966 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.56 | 63.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304444778 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.91 | 81.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304440032 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 40.13 | 89.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| XXXXX | XXXXX | 304462063 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.39 | 64.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304440305 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.62 | 74.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| XXXXX | XXXXX | 304441632 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.13 | 59.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | XXXXX | 304441797 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.3 | 84.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| XXXXX | XXXXX | 304459232 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 36.07 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| XXXXX | XXXXX | 304472438 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.92 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| XXXXX | XXXXX | 304472420 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 12.28 | 72.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| XXXXX | XXXXX | 304459103 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.67 | 77.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| XXXXX | XXXXX | 304459311 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 38.16 | 84.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| XXXXX | XXXXX | 304456468 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.26 | 81.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304492076 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.0 | 61.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304459105 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.33 | 49.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304572077 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 12.29 | 63.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304462335 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.38 | 89.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304475081 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.54 | 85.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| XXXXX | XXXXX | 304485285 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 9.9 | 57.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| XXXXX | XXXXX | 304485277 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.16 | 74.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| XXXXX | XXXXX | 304510776 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.81 | 81.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304492553 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 12.0 | 83.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| XXXXX | XXXXX | 304510993 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 31.17 | 81.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| XXXXX | XXXXX | 304511495 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.48 | 46.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304416296 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.72 | 74.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 304496719 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.22 | 79.56 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496713 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.8 | 62.8 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496711 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 28.38 | 69.7 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496710 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.92 | 89.44 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496707 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 30.29 | 82.21 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496706 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.83 | 63.54 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496703 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.27 | 55.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496702 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.01 | 38.74 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496701 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.44 | 64.2 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496700 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.61 | 60.5 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496698 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.61 | 70.47 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496697 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.37 | 74.31 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304496696 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 8.3 | 73.45 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304405434 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.52 | 76.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304380618 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 12.65 | 31.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304400683 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.59 | 41.16 | $XXX | $XXX | -.2485 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.2485 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| XXXXX | XXXXX | 304387002 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.02 | 41.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304382778 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.07 | 64.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418736 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.49 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304401102 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.39 | 57.86 | $XXX | $XXX | -.0778 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0778 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492232 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 27.07 | 49.77 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304398610 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.68 | 79.86 | $XXX | $XXX | -.1197 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1197 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304390799 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.81 | 79.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304393012 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.04 | 51.6 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304397151 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.88 | 74.93 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0159 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304397857 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.41 | 50.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304398863 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 32.73 | 74.46 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304415817 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 31.53 | 74.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304415816 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.11 | 69.72 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304415854 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 7.41 | 24.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418817 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.34 | 78.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422908 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 39.09 | 74.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304470211 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.17 | 63.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420759 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 16.51 | 79.88 | $XXX | $XXX | .1616 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .1616 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418540 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 31.08 | 84.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490225 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.6 | 79.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425616 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.64 | 70.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425703 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 32.0 | 69.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304419025 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 13.43 | 60.01 | $XXX | $XXX | .0526 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0526 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304470210 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.25 | 45.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304423676 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.83 | 61.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304426787 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.09 | 74.88 | $XXX | $XXX | -.1142 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1142 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304470209 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 25.07 | 73.56 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432865 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.69 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304470207 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.91 | 73.99 | $XXX | $XXX | -.2470 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.2470 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304470206 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.74 | 74.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304470205 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.11 | 74.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304437871 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.13 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304592832 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.61 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304440022 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 14.37 | 45.62 | $XXX | $XXX | .0042 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0042 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492225 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.16 | 46.04 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492224 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.46 | 74.71 | $XXX | $XXX | .0346 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0346 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492223 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.76 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492221 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 16.21 | 79.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492218 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 17.42 | 69.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492217 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.85 | 77.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304613717 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.83 | 76.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492216 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 15.91 | 58.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492213 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 17.5 | 47.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492212 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.81 | 79.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492211 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 18.08 | 66.12 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492210 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.33 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304489946 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.66 | 60.8 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304485201 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 19.23 | 52.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304492209 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.67 | 62.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490223 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 13.56 | 79.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492208 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.0 | 74.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490240 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 21.02 | 68.22 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304494078 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.29 | 57.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304485200 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 9.95 | 78.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304483594 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.86 | 58.51 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304493031 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 25.85 | 69.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| XXXXX | XXXXX | 304490239 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.56 | 69.99 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490237 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.47 | 79.55 | $XXX | $XXX | -.2259 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.2259 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304512120 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 25.0 | 63.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304639668 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 34.16 | 60.72 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304642452 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 21.28 | 58.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304631377 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 22.02 | 64.85 | $XXX | $XXX | .0878 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0878 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304631376 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.3 | 74.25 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304642384 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.9 | 52.6 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304644166 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 4.41 | 58.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304642451 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.64 | 69.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304642396 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 10.89 | 64.37 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304672335 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 25.0 | 47.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304672333 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 30.61 | 74.51 | $XXX | $XXX | -.0973 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0973 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304470093 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 304241759 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 27.52 | 73.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXXX | XXXXX | 304310743 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.89 | 73.08 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304333564 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 17.65 | 70.69 | $XXX | $XXX | -.0240 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0240 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304317630 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.75 | 64.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304334840 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.46 | 67.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304333063 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.65 | 75.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304416493 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 24.14 | 64.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304335780 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 13.55 | 64.45 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304359529 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 29.64 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304357639 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.47 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304393773 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 11.49 | 55.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304380641 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 33.33 | 68.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304380532 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.83 | 70.2 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304381626 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 17.08 | 69.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| XXXXX | XXXXX | 304381900 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.8 | 63.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304382331 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.27 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304385610 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 15.61 | 84.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304391818 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 17.78 | 64.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304385077 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.92 | 69.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304385283 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.54 | 68.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304387087 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.4 | 67.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304387264 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.76 | 71.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304388032 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 17.39 | 64.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304388216 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.93 | 82.8 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |  |
| XXXXX | XXXXX | 304388454 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.63 | 78.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304390399 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 3.67 | 40.34 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420637 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 30.17 | 69.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420419 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 24.27 | 69.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304392215 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 19.14 | 60.83 | $XXX | $XXX | .0830 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0830 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304397207 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 40.13 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304400682 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.64 | 53.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| XXXXX | XXXXX | 304396151 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.44 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304398079 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.59 | 73.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304398123 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.86 | 62.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304419167 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.81 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| XXXXX | XXXXX | 304421461 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 33.43 | 71.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| XXXXX | XXXXX | 304398147 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 25.81 | 68.33 | $XXX | $XXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| XXXXX | XXXXX | 304398243 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.73 | 84.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304398670 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 21.67 | 69.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304418101 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.55 | 54.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304401023 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.48 | 74.3 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |  |
| XXXXX | XXXXX | 304401316 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.58 | 77.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| XXXXX | XXXXX | 304405457 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.07 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304405569 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 33.35 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304415815 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.74 | 62.75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304416267 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.4 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| XXXXX | XXXXX | 304416289 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.62 | 72.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422570 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 9.38 | 35.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492206 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.53 | 39.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| XXXXX | XXXXX | 304418082 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 20.22 | 69.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304418081 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.76 | 69.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304418100 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 17.1 | 64.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304418746 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.17 | 64.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304420156 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.06 | 71.61 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| XXXXX | XXXXX | 304419317 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.54 | 80.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492204 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 23.19 | 69.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304398081 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.48 | 78.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| XXXXX | XXXXX | 304420757 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 49.46 | 74.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304426703 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 29.28 | 78.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422636 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.7 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| XXXXX | XXXXX | 304592831 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.05 | 74.03 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304432620 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.61 | 68.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425060 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.08 | 78.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 304425135 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 30.88 | 63.83 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304425694 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.04 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |
| XXXXX | XXXXX | 304425738 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.12 | 69.42 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304425904 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.82 | 66.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| XXXXX | XXXXX | 304426429 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 7.62 | 59.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| XXXXX | XXXXX | 304426205 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.38 | 58.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| XXXXX | XXXXX | 304426413 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.96 | 79.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304426452 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.9 | 64.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304492203 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.46 | 81.46 | $XXX | $XXX | -.0357 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0357 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| XXXXX | XXXXX | 304492202 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 24.81 | 64.82 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304428832 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.76 | 69.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304492201 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.34 | 78.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492200 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 39.98 | 64.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| XXXXX | XXXXX | 304492199 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.23 | 59.64 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 304436532 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.42 | 68.48 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492198 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 40.67 | 63.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304492196 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 22.15 | 65.66 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304436286 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.45 | 65.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304492193 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.29 | 23.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| XXXXX | XXXXX | 304492191 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.61 | 78.61 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304437446 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 33.07 | 74.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| XXXXX | XXXXX | 304492188 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.07 | 69.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492187 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.04 | 37.2 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| XXXXX | XXXXX | 304492186 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.89 | 80.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492185 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.44 | 69.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 304492184 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.39 | 69.41 | $XXX | $XXX | .0216 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0216 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492182 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.89 | 71.24 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304492181 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.9 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| XXXXX | XXXXX | 304492178 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 22.39 | 76.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492177 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 31.5 | 68.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492176 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 26.79 | 67.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304492175 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.73 | 70.78 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304490236 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 23.73 | 47.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492174 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.51 | 63.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304492171 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.63 | 63.08 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304492170 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 7.23 | 45.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| XXXXX | XXXXX | 304492168 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 17.91 | 21.88 | $XXX | $XXX | .0723 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0723 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304470197 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.11 | 77.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| XXXXX | XXXXX | 304492165 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 14.01 | 65.03 | $XXX | $XXX | -.1858 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1858 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304492163 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 21.98 | 74.71 | $XXX | $XXX | .0250 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0250 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304483079 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.89 | 36.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304485197 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 13.15 | 73.72 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304483592 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 11.91 | 62.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304483591 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.45 | 63.5 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| XXXXX | XXXXX | 304485194 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 29.63 | 66.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304489941 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 14.93 | 57.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| XXXXX | XXXXX | 304485193 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.16 | 76.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304485192 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 16.29 | 48.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304489940 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 8.2 | 57.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| XXXXX | XXXXX | 304489939 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 11.58 | 73.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304485190 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 17.83 | 63.19 | $XXX | $XXX | .0149 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0149 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304489938 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 20.23 | 73.64 | $XXX | $XXX | .1218 | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .122 |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304483590 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.61 | 73.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304489937 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.23 | 71.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| XXXXX | XXXXX | 304483587 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.02 | 51.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| XXXXX | XXXXX | 304489936 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 18.62 | 62.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304487962 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 17.65 | 84.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| XXXXX | XXXXX | 304492342 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.46 | 68.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304493047 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.17 | 79.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304493049 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 21.6 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| XXXXX | XXXXX | 304494030 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 36.89 | 69.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| XXXXX | XXXXX | 304494102 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 27.03 | 59.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| XXXXX | XXXXX | 304497331 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.13 | 56.03 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304511199 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 7.69 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632742 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 15.96 | 65.51 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304642379 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 32.26 | 49.8 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304642392 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 15.82 | 71.81 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304637859 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 26.49 | 75.94 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304642532 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.57 | 78.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| XXXXX | XXXXX | 304418545 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 16.07 | 73.07 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304378564 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 23.05 | 75.95 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304632018 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.74 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304416295 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.74 | 67.96 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304378237 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 6.51 | 70.9 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304378074 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.6 | 64.39 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304378016 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 12.85 | 76.53 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304477198 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 9.65 | 89.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304471742 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 24.1 | 62.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304441500 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 11.74 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304441820 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 19.03 | 77.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304475289 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 2055 Exterior Only Inspection Report | $XXX | 11.58 | 44.46 | $XXX | $XXX | -.3557 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.3557 | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| XXXXX | XXXXX | 304443450 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 17.16 | 32.5 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304462120 | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 38.46 | 89.55 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304101242 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | AVM | $XXX | 9.46 | 74.88 |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX |  |  | XXX | XXX | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304422573 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.9 | 84.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| XXXXX | XXXXX | 304482896 | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 10.69 | 59.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |

---

## Exhibit 99.16

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.16**

![](digitalrisk.jpg)

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, JPMorgan Chase Bank, National Association. The review included a total of 2 newly originated residential closed end second liens, in connection with the securitization identified as JPMMT 2025-CES3 (the "Securitization"). The review began on February 12, 2024, and concluded on October 8, 2024.

**Scope of Review**

**Credit Review for Open and Closed Second Mortgage Liens**

I. Credit and Compliance Review for closed End Second Mortgage liens

Digital Risk performed a comprehensive "Credit and Compliance Review," which included the Credit Review and Compliance Review as described below. The Credit and Compliance Review is designed to comply with Rating Agency Criteria for securitizations of newly originated Loans (applications within the last twelve (12) or twenty four (24) months – depending on the Rating Agency), and is also recommended for private purchases and sales of newly originated Loans. The comprehensive Credit and Compliance Review takes advantage of shared processes and is priced at a discount as compared to the separate reviews.

**Credit Review**

"Credit Review" means that Digital Risk performed a re-underwriting review of Loans to verify compliance with the applicable Guidelines in effect at the time of Loan origination and ensure the characteristics used by the underwriter were supported by the file documentation; and that any Loans outside of those Guidelines contained legitimate and approved exceptions with compensating factors. The Credit Review confirmed the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Guidelines Review

Digital Risk reviewed the Loans to determine they were originated in compliance with the applicable Guidelines. Digital Risk re-underwrote the Loans to the Guidelines provided or specified by Client; Unless told otherwise, Digital Risk used Client-provided Guidelines for any subsequent Credit Review. FEMA Review

The FEMA website is reviewed for the subject property and a determination is made as to whether the subject property is in a designated disaster area after the date the appraisal was completed. In the event it is, Digital Risk created a finding indicating that an inspection was recommended due to whatever disaster occurred during whatever time period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Credit Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Income / Assets</u> 

Recalculated borrower(s)'s monthly gross income, and validated funds required to close and required reserves, Confirmed that the borrower has current or reasonably expected income or assets (other than the value of the property that secures the Loan) that the borrower will rely on to repay the Loan.

Reviewed Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Employment</u> 

Reviewed file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Monthly Mortgage Payment</u> 

Confirmed that the correct program, qualifying rate, and terms were used to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Simultaneous Loans</u> 

Ensured that all concurrent Loans were included in the debt-to-income ratio ("DTI") calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Mortgage-Related Obligations</u> 

Validated that the subject Loan monthly payment calculation included principle, interest, taxes, and insurance ("PITI"), as well as other costs related to the property such as homeowners' association ("HOA") fees, private mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Debts / Obligations</u> 

Validated monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>DTI / Residual Income</u> 

Validated debt-to-income ratio (DTI), or "residual income," based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Credit History</u> 

Reviewed credit report for credit history and required credit depth, including any / all inquiries, and Determine a representative credit score from the credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Additional Underwriting Factors

In addition to the general QM Guidelines Review and/or QM/ATR Review (as applicable), certain additional underwriting factors were considered. As determined by the applicable Guidelines, the Credit Review also included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Recalculated and verified that the loan-to-value ratio and combined loan-to-value ratio was accurate at
origination, and met the Guidelines and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Reviewed borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirmed borrower eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Reviewed title information to validate lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirmed sufficient evidence in Loan file to support borrower's willingness and ability to repay the
debt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirmed that Final 1003 match Underwriting Approval/AUS (as applicable) and that the final Loan approval
data was supported by the documents in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirmed Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Reviewed the flood certificate, and confirm flood insurance, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Reviewed 1003 for completion, signature, NMLS; validated final 1003 accurately reflects verified information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validated credit inquiries within the last 90 days and AKA's were cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Reviewed sales contract and validated all contributions were within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Reviewed Hazard coverage to verify sufficient coverage on subject and all premiums are included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fraud Review

Each Credit Review includes a "Fraud Review," which means Digital Risk will review third party fraud detection report as provided by Client; if no Fraud tool is provided, Digital Risk will order Risk IQ. Digital Risk will report any misrepresentation, fraud, or other findings detected by the fraud report.

II. Valuation Review

Each Credit Review included a "Valuation Review," which means that Digital Risk will performed a review of the AVM, BPO, Field Review or Full Appraisal provided by Client in connection with the Loans to determine if the property is in "average" condition or better, or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability. Should an area of concern be identified with the condition of the property, Digital Risk will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;· Reviewed valuation product, determined that property is completely constructed and appraisal / valuation
product is on an "as is basis," or property is identified as not completely constructed by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;· Ensured that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;· Ensured highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Confirmed there was no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;· Ensured subject property did not suffer any functional obsolescence.

**If Applicable:**

&nbsp;&nbsp;&nbsp;&nbsp;· Reviewed and determined that the valuation report was performed on appropriate GSE forms and if the appraiser
indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;· Reviewed and determined the relevance of the comparable properties to ensure that a rational and reliable
value was provided and supported as of the effective date of the Origination Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;· Reviewed adjustments (line item, net and gross adjustments) to ensure they were reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;· Reviewed appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;· Reviewed location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;· Where applicable, determined that the file did not contain the appraisal or other valuation method and
a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determined whether the property met Client-supplied eligibility requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determined the appraisal was made on an "As Is" basis or provided satisfactory evidence of
completion

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Reviewed appraisal data for consistency with the Loan file documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validated that zoning was acceptable per Guidelines

III. Compliance Review (if applicable)

"Compliance Review" means that Digital Risk reviewed each Loan and determined, as applicable, to the extent possible and subject to the caveats below, that the Loan complied with the applicable Federal, State, and local regulatory requirements as noted below, each as amended, restated and/or replaced from time to time.

The below Compliance Review is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Digital Risk implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Digital Risk worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Digital Risk continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed the Initial LE and confirmed (i) the correct form was used; (ii) all sections of the Initial
LE were completed; and (iii) the Initial LE accurately reflected the information provided to Digital Risk

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If there is a Revised LE, confirmed (i) that there was a "valid reason" for the Revised LE;
and (ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determined which LE in the file is the "final binding" LE for the purpose of Tolerance Testing.
A Revised LE that is issued after the CD, or that does not state a valid reason will not be used for the purposes of Tolerance Testing.
All revised LEs issued to the consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirmed initial LE was delivered within three (3) business days from the application date, and at least
seven (7) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirmed revised LE was delivered within three (3) business days from date of the "valid reason"
giving rise to the Revised LE, and at least four (4) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirmed that certain sections of each LE determined to carry assignee liability were accurately completed
and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed the CD to confirm (i) the correct form was used; (ii) all sections of the CD were completed;
and (iii) the CD accurately reflected the information provided to Digital Risk.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If a subsequent CD is issued, confirmed (i) that there was a valid reason for the change; (ii) that the
CD was issued within three (3) days of the change; and (iii) whether the reason for the change requires a new 3-day waiting period prior
to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirmed Initial CD, and any subsequent CD with material changes (i.e. changes that require a new waiting
period), was received at least three (3) business days prior to the consummation date. With respect to applicable
exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was
delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with
respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later
than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part
1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirmed Right of Rescission form was in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirmed the right of rescission notice was provided in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirmed there were no errors on the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirmed the ROR was provided within the three (3) business day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. any material disclosure violation on a rescindable loan that gives rise to the right of rescission under
TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments,
the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compared the fees disclosed in the final binding LE to those in the final CD,
and confirmed that final CD fees are within the permitted tolerances. Confirmed the total of payments are considered accurate as defined
by Regulation Z. Confirm Finance Charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Reviewed the file to determine (i) whether there was evidence that certain
changes or errors (per the regulation) were discovered subsequent to closing, (ii) and whether the Loan originator followed the prescribed
cure. Test for evidence such as a copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "), and iii)
with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a
refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need
for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or
placed in the mail no later than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirmed the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file
contains documentary evidence that the disclosure was provided to the borrower; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirmed Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business
days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection
with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR threshold test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator
Compensation and Steering (§1026.36):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Reviewed relevant documentation to determine if compensation to a Loan Originator was based on a term
of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Reviewed relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Reviewed the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor
provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Note: Where available, Digital Risk reviewed the relevant documents in the mortgage loan file and, as
necessary, attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage
loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, Digital
Risk's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These
statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in
the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determined if the creditor obtained proof of homeownership counseling in connection with a mortgage loan
to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determined if the terms of the mortgage loan require arbitration or any other non-judicial procedure to
resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determined if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
in jurisdictions where it is prohibited.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Reviewed for presence of mortgage loan originator organization and individual mortgage loan originator
name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing
Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verified the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirmed the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verified the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business
days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirmed the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage loan
file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirmed the Your Home Loan Toolkit /Special Information Booklet was provided within three (3) business
days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirmed the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirmed that the CHARM booklet was issued within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirmed the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in
the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirmed the Affiliated Business Arrangement Disclosure was provided no later than three (3) business
days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirmed the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirmed the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper
timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirmed that the creditor provided the borrower a list of homeownership counselling organizations within
three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. Confirmed that the list of homeownership counselling organizations was obtained no earlier than 30 days
prior to when the list was provided to the mortgage loan applicant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>: The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as
set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirmed the timing and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing a copy of each appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv) With respect to a borrower that has waived the three (3) business day disclosure
requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation;
and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas – Confirmed the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution
and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect
to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home"
mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to
combat predatory lending, as may have been amended from time to time;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge and prepayment penalty provisions.

IV. Other Regulations

9. <u>National Flood Insurance Program ("NFIP")</u> 

Reviewed each Loan (if applicable to the subject property) to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

10. <u>Homeowner's Flood Affordability Act ("HFIAA")</u> 

Reviewed to determine whether all premiums and fess for flood insurance are escrowed, and that the escrow is payable with same frequency as payments designated for the Loan.

11. <u>High Cost & Anti-Predatory Regulations</u> 

&nbsp;&nbsp;&nbsp;&nbsp;i. HOEPA testing: <u>Reviewed the Loan for compliance with the Home Ownership equity Protection Act ("HOEPA"), which included, as applicable:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o APR test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Points and Fees test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Review of HOEPA disclosure for accuracy (i.e. payment stream, highest payment scenario; dates disclosed,
dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Reviewed and confirmed documentation type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Review for evidence of prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verified Debt to Income conformity, if applicable.

&nbsp;&nbsp;&nbsp;&nbsp;ii. Higher Priced Mortgage Loan (HPML) Review: tested applicable Loans to verify that the APR threshold compared
to the average prime offer rate has not been violated

&nbsp;&nbsp;&nbsp;&nbsp;iii. Agency Points and Fees rules: calculated the allowable agency points and fees thresholds as defined by
agency industry guides

&nbsp;&nbsp;&nbsp;&nbsp;iv. Applicable State and Local High-Cost/Anti-Predatory Regulations as listed on Attachment A-2

12. <u>Texas Section 50(a)(6) Mortgages</u> 

Tested for the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations (as applicable), including but not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;i. LTV Threshold

&nbsp;&nbsp;&nbsp;&nbsp;ii. Points and Fees Limitation

&nbsp;&nbsp;&nbsp;&nbsp;iii. Texas Home Equity Loan Disclosures (including timing and content requirements):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Home Equity Loan Consumer Disclosure / 12-Day Letter

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Home Equity Loan Interest and Fees Preclosing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Acknowledgement of Receipt of Loan Closing Document Copies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Home Equity Loan Rescission Notice

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fair Market Value of Homestead Property Acknowledgment/Affidavit

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 2 loans where data validation was completed. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| No Discrepancies | 0 | 0.00% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 0 | $0.00 | 0.00% |
| Event Grade B | 2 | $651800.00 | 100.00% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 2 | $651800.00 | 100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 1 | $269000.00 | 50.00% |
| Event Grade B | 1 | $382800.00 | 50.00% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 2 | $651800.00 | 100.00% |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 0 | $0.00 | 0.00% |
| Event Grade B | 2 | $651800.00 | 100.00% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 2 | $651800.00 | 100.00% |
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 2 | $651800.00 | 100.00% |
| Event Grade B | 0 | $0.00 | 0.00% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 2 | $651800.00 | 100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

## Exhibit 99.17

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.17**

---

| | | |
|:---|:---|:---|
| **Report Pulled:** | 5/5/2025 |  |
| **Loan Count:** | 2 |  |
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| No Discrepancies | 0 | 0.00% |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Report Pulled:** | 5/5/2025 |  |  |  |  |  |
| **Loan Count:** | 2 |  |  |  |  |  |
| **Audit ID** | **Customer Loan Number** | **SellerLoanID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |

---

## Exhibit 99.18

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SellerLoanID** | **Customer Loan Number** | **Last Name** | **Note Date** | **Original Loan Amount** | **QM Status** | **ATR Status** | **Compliance Exceptions** | **Credit Exceptions** | **Property Valuation Exceptions** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 304477089 | XXXX | XX/XX/XXXX | XXXX | Non-QM Non-Verified | N/A | **(Clear) TRID - 10% Tolerance Violation (No Valid COC)- <br>The loan failed the charges that in total cannot increase more than 10% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee was not accepted: Recording Fee. A cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>(Clear) Federal - HPML APR/Compliant- <br>The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met.<br>(Open) TRID - CD - Closing Information/Disbursement Date- <br>The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(iii)<br>(Open) QM - FAIL APR Lending Policy- <br>This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi)). A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and the note amount for a second lien is greater than or equal to (XXXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth in Lending Act (Regulation Z) 12 CFR 1026.43(e)(1)(ii)<br>**  | **(Open) Program Parameters - CLTV- <br>Lender's Exception - Per Lender's guides, the max CLTV for the Bank Statement Program is 70%. The Lender allowed for the CLTV to be XXXX%. Lender to approve downgrading finding based on compensating factors.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Exception must be granted by Investor. (Upheld)<br>Response 2 (XX/XX/XXXX XX:XXAM)<br> Exception granted. Loan being sold to alternate Investor. (Waived)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value.<br>**  | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 304385380 | XXXX | XX/XX/XXXX | XXXX | Non-QM Non-Verified | N/A | **(Clear) State HPML- <br>The loan failed the late fees test. This loan failed the XX AB 260 higher-priced mortgage loan test. (XX AB 260, California Financial Code Division 1.9 4995(a)). The loan exceeded the XXXX higher-priced mortgage loan test. The loan has an APR of XXXX%. The XX APR threshold is XXXX%. The loan is a compliant HPML. Prepayment and appraisal requirements have been met.<br>(Clear) Federal - HPML APR/Compliant- <br>The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Prepayment and appraisal requirements have been met.<br>(Open) QM - FAIL APR Lending Policy- <br>The loan does not qualify for APR Lending Policies. The loan exceeds the APR threshold as follows: The note amount for a second lien is greater than or equal to ($XXXX), and its APR calculated per the requirementsof 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. The date used for rate set is XX/XX/XXXX. The loan is a Higher-Priced Covered Transaction subject to QM. Truth in Lending Act (Regulation Z) 12 CFR 1026.43(e)(1)(ii)<br>(Open) QM - Points and Fees- <br>The loan's points and fees exceed the Qualified Mortgage points and fees threshold. The loan amount is $XXXX or more, and the transaction's total points and fees is $XXXX, which exceeds 3percent of the total loan amount of $XXXX. The following fees were included in the testing: Loan Origination Fee $XXXX, Processing Fee $XXXX and Underwriting Fee $XXXX. If discount points and fees are bona-fide and excludable, provide undiscounted rate. Truth In Lending Act (Regulation Z) 12 CFR 1026.43(e)(2)(iii), (e)(3).<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value.<br>**  | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |

---

## Exhibit 99.19

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.19**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SellerLoanID** | **Customer Loan Number** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| 22024070359 | 304477089 | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A |
| 22024050533 | 304385380 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |

---

## Exhibit 99.20

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.20**

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 304477089 | XXXX | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304385380 | XXXX | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.21

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.21**

![](ex9921001.jpg)

**Selene Diligence LLC ("Selene") Due**<br> **Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by JPMorgan Chase Bank, National Association (the "Client"). The review was conducted between February 07, 2025 and March 13, 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 1 Non-QM loans and 4 ATR-QM exempt loans for a total of 5 loans the "Final Securitization Population".

*<u>Credit Reviews (5):</u>*

During the Review, Selene performed a credit review on 5 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (5)</u>*

During the Review, Selene performed a compliance review on 5 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (5):</u>*

During the Review, Selene performed a property valuation review on 5 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (5):</u>*

During the Review, Selene performed a Data Integrity Review on 5 mortgage loans in the Final Securitization Population.

*JPMMT 2025-NQM2 Executive Summary (Selene Diligence)*

![](ex9921001.jpg)

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 5 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings ("S&P"), DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Moody's Investors Service, Inc. ("Moody's"), and Kroll Bond Rating Agency ("Kroll") (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Deephaven Wholesale Underwriting Guidelines, Deephaven Correspondent Underwriting Guidelines, (collectively the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene provided a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

---

| | |
|:---|:---|
|  | Page **2** of **15** |
| *JPMMT 2025-NQM2 Executive Summary (Selene Diligence)* |  |

---

![](ex9921001.jpg)

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, and C, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed
 asset statements to determine whether funds to close and reserves were within the Guidelines;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument, with respect o the ATR-QM Exempt Loans. With respect to the Non-QM loans, Selene tested whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act. Please see Appendix B for additional information.

**PROPERTY VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

**DATA INTEGRITY REVIEW**

---

| | |
|:---|:---|
|  | Page **3** of **15** |
| *JPMMT 2025-NQM2 Executive Summary (Selene Diligence)* |  |

---

![](ex9921001.jpg)

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

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

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

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

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 5 mortgage loans, (ii) a Compliance Review on 5 mortgage loans (iii) a Valuation Review on 5 mortgage loans, and (iv) a Data Integrity Review on 5 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 5 mortgage loans; 5 mortgage loans had a rating grade of A, 0 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Grades per loan (5 overall loans):*** | &nbsp;&nbsp;***Grades per loan (5 overall loans):*** | &nbsp;&nbsp;***Grades per loan (5 overall loans):*** | &nbsp;&nbsp;***Grades per loan (5 overall loans):*** | &nbsp;&nbsp;***Grades per loan (5 overall loans):*** | &nbsp;&nbsp;***Grades per loan (5 overall loans):*** | &nbsp;&nbsp;***Grades per loan (5 overall loans):*** | &nbsp;&nbsp;***Grades per loan (5 overall loans):*** | &nbsp;&nbsp;***Grades per loan (5 overall loans):*** | &nbsp;&nbsp;***Grades per loan (5 overall loans):*** | &nbsp;&nbsp;***Grades per loan (5 overall loans):*** | &nbsp;&nbsp;***Grades per loan (5 overall loans):*** |  |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;40.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;40.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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

---

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|:---|:---|
|  | Page **4** of **15** |
| *JPMMT 2025-NQM2 Executive Summary (Selene Diligence)* |  |

---

![](ex9921001.jpg)

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given

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![](ex9921001.jpg)

rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene
Due Diligence Narrative Report

2. ASF
Report

3. Grading
Summary

4. Exception
Detail

5. Tape
Discrepancies

6. Valuations
Report

7. Supplemental
Data

8. Third
Party (TPR) Attestation Form

9. Attestation
Form 15E

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**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The
 application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All
 known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture
 the monthly consumer debt payments for use in the debt to income and/or residual income
 calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note
 the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

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**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was
 involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Superior Lien Review**

As applicable, Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Captured
 superior lien outstanding loan amount and current payment amounts to validate CLTV and
 PITIA for DSCR calculations;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
 the original senior lien note to ensure eligible senior lien loan type adhere to the
 Guidelines; and

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
 the current mortgage statements for existing senior lien payments.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud

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report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
 for any name variations for the borrowers and confirm that the variations have been addressed
 in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
 for any social security number variations for the borrowers and confirm that the variations
 have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
 for any potential occupancy issues based on the borrowers' address history and
 confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
 for any employment issues and confirm that any issues have been addressed in the loan
 file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
 for any additional consumers associated with the borrowers' profiles and confirm
 the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
 all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete,
 accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have
 been recorded or have been sent for recording.

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**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

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

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

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19):</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction; <br> ii) review relevant document to determine if there was dual compensation; and

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iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note:
 Where available, Selene reviewed the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the
 mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan originator.
 In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, Selene's
 review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These
 statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations
 in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first time homebuyer that
 contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the terms of the mortgage loan require arbitration or any other non-judicial procedure to resolve any controversy or settle
 any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against
 the NMLSR database, as available.

**2.** **Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7):</u> 

i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

v) confirm the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8):</u> 

i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;

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ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

v) confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing; and

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application.

**3.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction;

vi) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vii) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

viii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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ix) confirm borrower received LE not later than four (4) business days prior to consummation; and <br> x) confirm LE was not provided to the borrower on or after the date of the CD. <br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who are discussing a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG industry group proposal.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application

**4.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the
 general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d)); and

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

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<u>General Ability to Repay</u>

Selene reviewed the applicable mortgage loans to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviewed the mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**5.** **The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:** 

a) Providing
Appraisals and Other Valuations (12 C.F.R. 1002.14):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing
and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**6.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;** 

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|  | Page **14** of **15** |
| *JPMMT 2025-NQM2 Executive Summary (Selene Diligence)* |  |

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**APPENDIX C– VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

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

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

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

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

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|  | Page **15** of **15** |
| *JPMMT 2025-NQM2 Executive Summary (Selene Diligence)* |  |

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## Exhibit 99.22

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.22**

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 304655019 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304655019 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304655019 | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |

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## Exhibit 99.23

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.23**

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| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX |  | 304654985 | Closed | 2025-02-14 19:14 | 2025-02-19 13:59 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/19/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/18/2025 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows High Uncleared Alerts - Due Diligence Vendor-02/14/2025 |  | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-02/19/2025<br>| XXXX |  |  | CT | Primary Residence | Refinance | Cash Out - Other | 3427911 | N/A | N/A |
| XXXX | XXXX |  | 304654985 | Closed | 2025-02-14 05:32 | 2025-02-14 19:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.746%) APR equals or exceeds the Federal HPML threshold of (10.57%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.07%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 132 and the Final Closing disclosure on Pg#'s 70 reflects escrows. Rate lock date was entered correctly – see Pg#'s 168. An interior and exterior appraisal was completed for this property – see pg 15 , the appraisal disclosure was provided to the borrower(s)- see Pg#', 222 , and copy of the appraisal was given to the borrower – see Pg#'s 5 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-02/14/2025 |  | Resolved-The loan's (11.746%) APR equals or exceeds the Federal HPML threshold of (10.57%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.07%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 132 and the Final Closing disclosure on Pg#'s 70 reflects escrows. Rate lock date was entered correctly – see Pg#'s 168. An interior and exterior appraisal was completed for this property – see pg 15 , the appraisal disclosure was provided to the borrower(s)- see Pg#', 222 , and copy of the appraisal was given to the borrower – see Pg#'s 5 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-02/14/2025<br>|  |  |  | CT | Primary Residence | Refinance | Cash Out - Other | 3422205 | N/A | N/A |
| XXXX | XXXX |  | 304654981 | Closed | 2025-02-25 12:25 | 2025-04-23 12:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Loan is a closed end second lien HPML. Escrow is not required. The Final Closing disclosure on Pg#'s __268__ reflects no escrows. Rate lock date was entered correctly – see Pg#'s _456___ An interior and exterior appraisal was completed for this property – see pg __39__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_119__ , and copy of the appraisal was given to the borrower – see Pg#'s _311____ for the copy of the disclosure. The loan meets 2nd lien HPML guidelines. - Due Diligence Vendor-04/23/2025 <br> Rescinded-The loan's (10.69%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) Escrow is not required for this type of loan AND XXXX guidelines do not require them specifically either. Finding rescinded. - Due Diligence Vendor-02/25/2025 |  | Resolved-Loan is a closed end second lien HPML. Escrow is not required. The Final Closing disclosure on Pg#'s __268__ reflects no escrows. Rate lock date was entered correctly – see Pg#'s _456___ An interior and exterior appraisal was completed for this property – see pg __39__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_119__ , and copy of the appraisal was given to the borrower – see Pg#'s _311____ for the copy of the disclosure. The loan meets 2nd lien HPML guidelines. - Due Diligence Vendor-04/23/2025 <br>Rescinded-The loan's (10.69%) APR equals or exceeds the Federal HPML threshold of (10.37%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(iii)) Escrow is not required for this type of loan AND DH guidelines do not require them specifically either. Finding rescinded. - Due Diligence Vendor-02/25/2025<br>|  |  |  | OR | Primary Residence | Refinance | Cash Out - Other | 3474721 | N/A | N/A |
| XXXX | XXXX |  | 304654981 | Closed | 2025-02-25 11:52 | 2025-03-03 17:37 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided 1008. Finding resolved. - Due Diligence Vendor-03/03/2025 <br> Resolved-Lender provided 1008. Finding resolved. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. 1008 uploaded for review - Buyer-02/28/2025 <br> Open-The 1008 document is missing from the loan file. Provided 1008 document LTV value wrong. LTV reflecting as 50.912% which is wrong as per loan amount $XXXX and appraisal value $XXXX which equals to LTV 29.08%. - Due Diligence Vendor-02/25/2025 |  | Resolved-Lender provided 1008. Finding resolved. - Due Diligence Vendor-03/03/2025 <br>Resolved-Lender provided 1008. Finding resolved. - Due Diligence Vendor-03/03/2025<br>| XXXX |  |  | OR | Primary Residence | Refinance | Cash Out - Other | 3474622 | N/A | N/A |
| XXXX | XXXX |  | 304654965 | Closed | 2025-02-26 07:33 | 2025-03-04 12:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/03/2025 <br>Open-The Initial 1003 is Missing Initial 1003 Loan Originator signature missing. - Due Diligence Vendor-02/26/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/04/2025<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 3481882 | N/A | N/A |

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## Exhibit 99.24

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.24**

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| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX |  | 304654985 | XXXX C A |
| XXXX |  | 304654981 | XXXX D A |
| XXXX |  | 304654965 | XXXX A D |
| XXXX |  | 304654964 | XXXX A |
| XXXX |  | 304655019 | XXXX A |

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## Exhibit 99.25

[j.p. morgan acceptance corporation ii ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.25**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX |  | 304654985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 17.76 | 74.6 | XXXX | 0 | XXXX | Desk Review |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX |  | 304654981 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 29.08 | 79.99 | XXXX | -12781 | XXXX | AVM |  |  |  |  |  |  |  |  |  | XXXX | -12781 | XXXX | 88.0 | 0.12 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 5 | XXXX |
| XXXX |  | 304654965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 35.9 | 79.01 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 2.9 | XXXX |
| XXXX |  | 304654964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 40.43 | 79.94 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| XXXX |  | 304655019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | 26.01 | 79.98 | XXXX | 34497 | XXXX | AVM |  |  |  |  |  |  |  |  |  | XXXX | 34497 | XXXX | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |

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